My credit is a little tarnished with stupid college debt. I have about $5,000 past due. $2500 are two accounts now listed as collections and the other two just show up on the accounts list as "bad debt".
Should I:
a) pay the collections in full and then work on the "bad debts"
or
b) pay the "bad debt" first and then work on the collections
or
c) pay a little on all the accounts until everything is paid in full
Which option will have the most favorable effect on my fico
thanx
Starting Score: 493