I just had a bank tell me “no, your credit's great! what were you worried about?”
I said I have two medical accounts in collections. The agent immediately replied “yep I see that but balances under $500 don't count.”
I will never be giving those two accounts another thought! I thanked her for sharing that debt pro-tip with me and would just like to pass it along.
Obviously your results may vary but it's been a couple months now and my FICO score just keeps going up.