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uppermagnolia

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Which is more damaging, a lower score, or more accounts placed for collection?
I am going to be applying for a credit card and trying to decide whether I should apply in my name or my husband's name.

My credit report/score:
Transunion 782
11 accounts placed for collection $979

My husband's credit report/score:
Transunion 747
1 account placed for collection $279

My score is higher because I have a longer credit history. Should I apply in my name or my husband's name?

Thanks

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