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How do you improve your credit score?
I have a credit score of 650. I was approved last year for 2 Capital One credit cards which I pay on time and my balance is usually $300 but my available balance is $1300 for both cards. I also have an auto loan which I pay on time. Unfortunately, I have 3 collections on my credit report which are old but still active which I think is affecting my credit score. Would it benefit me to pay this total ($1, 650) off to improve my credit score? I want to improve my credit to start a business and purchase a home.

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