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  1. Good morning everyone, I am relatively new to all of this and I made the mistake of disputing these accounts immediately online through Experian rather than utilizing some of the info that I have found on this amazing forum. I actually just found the forum and I feel so blessed to have so much information at my disposal, though it is overwhelming at first. I have two medical bills that hit my credit report from CAs ($288 and $152) and I am wanting to get them removed because they should have never even gone on there. They were opened in June 2020 and Sept 2020 respectively and I was not even getting the bills until I got an email that they were on my credit. I have read several things now on potentially using PFD strategies, etc. I am looking for any and all advice that anyone can share with me. I am wanting to buy a house soon and these have drastically impacted my FICO (Dropped me down between 520 and 580) across all 3 CR. Please help this noob get back on my feet

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