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Coolection Account
I have an account in collections. Is it easier to settle for a lesser amount or pay the amount in full?

Also, I am in the process of paying off the balances on all of my credit cards and continue to use only one and pay the balance each month. Is this bad or good to only be using one credit card or should I continue to use more than one and pay the balances on all each month?

The goal is to raise my credit score.

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