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RHorn55

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What should I do first...
Would it be more advantageous to pay off my collections first or lower the balance on my credit cards below 45%?

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Pay off you collections but better still, try to negatiate a lower payoff and "pay for delete" which will remove the item from your credit report. Get it in writing that is crucial. The payoff and deletion of the collection should have a far greater effect on your credit score. Then work on that card balance. Good luck!

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