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positive revolving accounts???
I am trying to build my credit score, we have 100% on time payments of installment loans but only one revolving credit card which is currently at a zero balance.... they actually owe us 8.00 but we haven't touched the card since we returned the previous item since it didn't work. it is a fingerhut card that we got specifically for rebuilding. will it improve our credit faster by leaving it alone since they owe us money or should we utilize 30% and make the the montly payments?

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