[chane]

Originally Posted by sickboy0122

Hey everyone, I just joined and have lots of questions but wanted to start off with some simple ones first.

Im 28 and ordered my credit report online for all 3 reports as well as the scores too. To my surprise I noticed that not all of my debt was listed. I called one of the collection agencies from an old report that wasn't showing up on my new report and she informed me of the "Statue Of Limitations" which I thought was all BS when someone had told me about it before. Anyway, so Ive paid off all of my debt except for 2 medical bills that are scheduled to fall of June of 2010 (statue of limitations)

Why would you want the collection agency to show up on your new report? If they are not showing up, leave them alone.

SOL has nothing to do with when a debt "falls off" your credit report. You're confusing SOL with the time limit the CRAs must remove an item from your report...2 completely different things.

Im debating on paying them off, or riding it out till next year. My question is would you suggest paying them off instead or will this sort of thing actually affect my report when I decide to apply for credit cards or loans when the time is right?

If you pay it off and they report it, yes it will stay on your credit report for 7 more years.

I was told that Student loans and Medical Bills are not really accounted for when applying for credit.

That's absolutely false. You were lied to.

Ive disputed online for the things that are showing up still, but that have been paid,

Never dispute online.

Ive also sent letters to all 3 credit bureau's along with the payoff letters from the collectors asking to have these things removed from my credit report.

You disputed online AND sent them letters? You're killing me, man. You need to keep reading the basics on this forum before taking any further action. You're doing this all wrong.

Also, NEVER send in pay off letters from collectors. That is a HUGE mistake. You are verifying that the accounts exist! AHHHHHHHHH, STOP!!!!

There was a total of 4 things that I paid off, my score was 582 across the board, will my score go up much after the 30-45 days after this stuff hits my report? What options will I have afterward?

Any suggestions would help a lot. Thanks in advance.
Sorry if this thread is long.

No, your scores will more than likely go down because you're not doing it right at all. I'm not trying to be a dick, but almost everything you've done is the opposite of what you should have done.

I could give you more detailed answers to your questions, but most of this has already been covered in the forum. I hope you will stop everything you're doing immediately and spend a few hours on this site reading. Hopefully it's not too late.