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anitaturner77

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If I pay my credit cards that are in collections, will it lower my credit utilization percentage?

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Top Contributor
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Any amount with collection companies is not going to be factored into your credit utilization, however if the original creditor (card company) is still reporting a balance on the original account, then that may be being factored into your utilization, so getting the original account to a zero balance would be an improvement. When dealing with collections, make sure that you thorougly research "pay for delete agreements" before proceeding.

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