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Don Catfishio

Joined: 10/16/2001 Posts: 1515
Likes: 1516

What gtown said

if this went to collection, there’s nothing a lot you can do. If you are applying for credit for something specific, like a mortgage, the company originating the mortgage might ask you to write a letter explaining the situation, and that can help. If you are just trying to get this erased because you don’t like the low score…totally understandable, but i’d say not worth the effort. Although this will show up on your report for 7 years, the effect it has on your score diminishes greatly after the first 24 months.

One thing you can do is make sure that the credit reporting agencies know that this is a medical collection, which some treat more favorably than a collection for, say, and unpaid cell phone bill. I’d search around a site like credit karma for how to do this.

One other thing, you mention Fico vs TU vs Equifax. Fico is not a credit reporting agency, they develop scoring models that all three use. each agency has there own version of a fico score that are each a little different but all developed by Fair Isaac. So you cannot call up Fico, i’m thinking this might be your Fico score at Experian?

(In response to this post by GtownHoo)

Posted: 06/10/2021 at 08:16AM


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Current Thread:
  Good info here already; another resource inside -- QBSacker 06/10/2021 10:47AM
  This is the answer. -- TheManUpstairs 06/10/2021 12:53PM
  OK I'm back... There's no magic science behind it... -- GtownHoo 06/10/2021 09:20AM
  Good info, G. ** -- Trigon 06/10/2021 10:59AM
  I would just try to contest it yourself first -- GtownHoo 06/10/2021 07:49AM

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