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Is this a good plan to improve my credit?
My credit score is 522 and I have about $6200 in delinquent accounts on my credit reports, none of which are credit cards. My goal is to raise my score by 200 points in a year. I plan to pay of the accounts in collection, open a secured credit card account, and make payments for everything else on time. Is there anything else I need to do or any other advice you all can offer to help me obtain my goal?

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