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What should i do next if i want to buy a house?
I just recently paid off my car loan, and 2 open credit card accounts and 1 closed credit card off. Im hoping to be able to buy a house within the next 5-6 years. My problem is my credit score is sitting at 580s before factoring in the debit free status and i have 4 department store accounts that have been written off and in collections. As of right now those 4 accounts equal to about 6k and the 7 years are up around 2020/2021. Whats my next move in order to be able to buy a house in my timeline? Do i pay off the collections or just wait til they slide off the report?

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