Need opinions

[Yodafer]

I will have money over the next 3 months to pay off my credit cards (all at about 80% util), and pay all the collection accounts/charge offs on my credit report.

Which should I start with first?

I am hoping to qualify for a mortgage this summer.

[FrugalRican]

I'm a bit confused, you say you have enough money to do all of it?

I guess start with the easiest thing that you can do right now, pay the credit cards.

Then do whatever you need to do (whether it's PFD's, GW's, etc...) in order to get those neg's/derog's off your reports.

[Yodafer]

I will have enough money over the next 3 months or so to do all of it.

[FrugalRican]

Think you can put up specifics on what you owe (and the interest) and what these collections are (along with their DOFD)?

Also, how much money over the course of the 3 months?

Maybe that way we can be a little less vague in our responses

[Stiltzy]

It would depend on your goal as to how to approach. If its for the quickest increase, pay off 2 of the 3 cards and have the 3rd report a balance of 1-9%. If it is to save the most money, would have to know the interest rates on all of the accounts. Personally, I would CC first, then PFD the baddies