So, my constant upswing seems to finally be happening. After months of ups and down, my credit is stabilizing. I know many of the swings were due to new credit which changed my a a a and high utilization. I am currently working on bringing my utilization down from 60% to under 50 then under 30. I have one collection on my report from Central Fin a ciao for 550 that I have not been able to get removed. I finally was able to get two recent medicals that popped up and I received a good 10 to 12 point jump. I am wondering if removing this one will yield the same or not. It is from 2011 so it will be there until 2018. Do they do partial pay delete offers? Or has anyone had them removed with medical dispute route?