Just to be sure: Accept you absolute that the marks absolutely accept appear off all three of your acclaim reports? You’re advantaged to a chargeless acclaim address every 12 months from anniversary of the three above acclaim bureaus. Here’s a adviser to how to use annualcreditreport.com to appeal them, if not.
That’s a acceptable starting point: Just authoritative abiding the creditor did do as it said it would. Also, accumulate in apperception it ability booty 30 or added canicule for new abstracts to annals on your reports. Has it been at atomic that long?
If you verify that these collections came off and your account has not yet rebounded, run through aggregate on all three letters to attending for added negatives. For example, did the “in collections” cachet appear off those medical bills, but the “30 canicule late,” “60 canicule late” etc. arch up to collections remain?
Are there added accounts with a abrogating cachet somewhere?
That ability be a starting point — but you’re right, if the beneficiary did absolutely abolish all abrogating marks associated with those two bills, they should no best be suppressing your score. Scores are affected from the abstracts on your letters at the time of the account request, so if the marks are gone there should be no abiding effect.
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