Pay CC managed by Conseling service or Unmanaged ones first?
Hello all, I am trying to decide what to do with my income tax refund.
My two options are below.
a) Pay of the remaining cards currently being mananged by a credit counseling service. I currently pay them 186 a month and they take 40 dollars a month processing fee for them selves. b) Pay off 2 and half cards currently open and in good standing but are very close to there limits.
Which one will affect my credit score more? Any help will be greatly appreciated. Thank you