Nanci613

 My score is 777 - good, I guess - but I have NO credit card debt and I own my own home.....I have had a HELOC for years and make my payments on time as I do with all my utilities and car payment.  I'm not understanding why my rating is not higher...............can anyone explain?

This is a very large medical lab....would they not know that it is illegal for bills to be sent to collections if payments are being made?  Having said that, I did write to the collections agency and advised them that payments were being made and requested that they cease and desist contact with me - they have.  Additionally, the lab has stopped sending me statements - but I continue to make the monthly payments.  Maybe the lab hopes I will forget to make a payment and then they will have a reason to turn me over to debt collections!!  Thank you for your information. 

 I have been making regular/on time $25/mo.  pmts for lab tests for the last 6 months.  The Co. wants more money, faster.....I am on a fixed income.  They sent me to collections.  How will this affect my credit scores when I cannot afford larger monthly payments - and the company will not allow me to sign a contract stating I will pay this amount each month - they want more.