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  1. I had a medical bill for $2,000 go into collections with AmeriCollect. Although it was 1 bill, they broke it up as 3 different collection accounts on my CRs totaling the $2,000. My FICO dropped from 800 to 740. I tried negotiating the debt down with AmeriCollect and they had me on hold for 20 mins only to come back with "we will take $50 off". Screw that. I applied today for a Citibank cc and a Chase cc as these banks are offering huge frequent flyer mile bonuses for new sign ups. Both banks denied me. I have no other negatives or lates on my CR ever since I was 18 years old (i'm 46 now). Was it the collection accounts that caused the denials?

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