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ATX1

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Should I increase my secured card limit or pay down student loan?
I have about $1700 left on a small student loan and am wondering if I should pay off $1000 of it to lower it to $700 remaining or increase my secured card limit by $1000 (or just open a new secured card). I don't want to fully pay off the loan since it is my longest open account.

Which would be more beneficial to my score?

I also have an account that was closed as derogatory from a bank that was $2800. Can I negotiate with them to get this removed. If so, what's the best way to do that?

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Pay off the student debt.

It won't matter if the account is closed or not, since it will still remain part of your overall credit history.

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