So, am in the process of cleaning up credit. Doing myself and hubby at the same time, gets very confusing. We both had the same medical collections on our reports, 8 of them from one hospital provider, thankfully I called the business office and asked if they would take the collections back, she said no, but to write her a letter explaining our circimstances and submit income proof, I did and 3 weeks later I got a letter that said 100% back coverage from 2 yrs. Out of the 8 one was from 2010. Today I noticed on ck that the ca removed 4 of them off the credit bureaus, whoo whoo, this credit collection does not remove off your report, so am shocked to say the least. When I called them after we got the approval letter and said we had 8, one only outside of the 2 yr mark, she said the hospital sent her 4 and to check back in a few weeks,. Not sure If I call the hospital billing, or call the collection agency to check on the others. Also, I paid a settlement from Asset Recovery Systems, the debt from Credit One cc, I wanted to know where to go for this one, they havent reported, its only been 7 days she said to call her back in a month for a release letter? She said she tells the client credit one of settlement, any ideas? Its not in the collections of the report but its listed as closed account Bad debt. I had a suspicion that if I didnt pay this they were going to do a judgement,. I also am paying a 1376.00 judgement that balance has to be paid by aug 25, its from midland, they are ruthless but it was 4500 down to 1376 so it is what it is the ten year on that happens in 2017, the one shocker is with the 4 collections being removed the score only went up 1 point. I was going to pay off 2 more after the above payment but it doesnt seem to help much. Hmm, any sugesstions is welcomed. Thank you very much.