Medical bill charged off and sent to collection agencies.

Hey Bo I wanted some advice. I have some medical bill and I have paid them. They were with collection agencies. Can I still have them remove the bad information? What do you say to them. also with charged-off credit cards what do you say?
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one must negotiate BEfor you pay to get the bad marks off

the credit cars are a different story
pay them off
then reopn the same acount with a downpayment
call and tell them before hand you are trying to be a reasonable credit worthy person and need help

after 6 mo, 12 mo, 24 mos
ask them to report only the past 24 month preriod
since these are revovling credit lines
they usually only report the past 24 months anyway
so your not asking for much

i did it with a bp oil card
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Bo what about with cards like capital one. I have a charge off account and they are still charging me interest. what do you suggest?
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call them
ask for some way to get back in good graces
be willing to pay a downpayment on top of what you owe
ak for help with interest and penalties

explain you are trying to buy a home and be a reasonable credit person
ask for help
you are a ood person who had some problems
just give me a chance
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Bo I wanted to ask you if old accounts are removed say tha have passed the statue will that help you beacon.
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yes but not much
as accounts from today
back two years
count for 80% of ones score

7 years is when account comes off your report
so keep good recent credit open

http://www.oskie.com/raise_credit_score_fast_quickly_free.htm

http://www.oskie.com/get-new-good-credit-started-have-no-credit-got-turned-down.htm
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Bo I am confused about the validation? I do have charge off accounts so do I just sent the letter and what happen with the account while it is being validated. I am in the process of trying to settle with a collection company for Sams card I asked him if they would remove it or show it paid in full. But he said they did not do that. Did I ask the right thing? What are my other options?
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validation is best used for collections from second or third parties

sams is a first party
so validation is not what you need wuth sams

you have done right with them
try to get them to remove if paid in full
if they will not ask them to settle for less, and mark paid in full
if they will not do that ask for marked paid in full with no new date of last activity at least, if you pay in full