Kadir (05.10.2012 18:38)
The derogatory items will age off your crdeit report in 7-1/2 years from the date of first deficiency.Since you have medical bills on your crdeit file, you could negotiate a delete for pay agreement you pay $x and they delete the item. This will help your score. You may even be able to settle for less. Get any agreement in writing and do not give the collector direct access to your bank account.Be sure to pay all your bills on time. Use your crdeit card every month and pay it in full. This will give you a good payment history, avoid interest, and keep you out of debt. You will need at least 24 months consistent, on time payment to see improvement in your score. It just takes time.