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creditchallengedco

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If I get my credit cards under 50% & pay of the minor collection how high will that boost my credit
I have one minor collection which will be paid off next month and I have two credit cards that need to be paid down but I can also pay them to 1/2 next month. How high will that boost my score?

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We can't tell you that.  We don't know the specifics of the different scoring models.  Lowering utilization does help but the general recommendation is to keep utilization under 30% and lower is generally better.

Paying a collection probably won't provide a significant boost but it is better than an unpaid collection.  Aim for a pay for delete next time.  Having a derog fall off has a much bigger positive impact.

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