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HELP! Beginning to fix credit...
I am beginning to settle my debts with collectors, because currently (except a student loan and secured credit card-both in good standing) the only credit I have is BAD Credit. Is there anything else I can do to begin to repair it?
Also, which is better, if a derogatory mark on my credit is removed or listed as "paid in full" ?
Thank you very much for your time and advice

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