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Posts: 80
Registered: ‎09-02-2009
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What should i pay first

Hello again, I have been working on my credit for over a year now. I just received a bonus and was wondering what I should pay first. I am looking to get a used truck before the next year.


what should i pay


1 closed CC low 200s cl 300

1 co 800s cl 2300


or CA for 1500


I can pay the 2 ccs entirely, or the oc on the ca and have it deleted. but i cannot pay both right now.

Thanks again for your continued help and support

Starting Score: 470
Current Score: 610
Goal Score: 600

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Community Leader
Epic Contributor
Posts: 29,745
Registered: ‎03-19-2007
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Re: What should i pay first

That is extremely  hard to answer.

Fron your post, ti appears that you have one closed CC with a debt of around 2/3 of your prior CL

Then a charge-off of unpaid debt of $800

Then a collection that has a debt of #1,500.


First, and foremost, payment of one or all wont result in any deletion from your CR

That would requrie a prior PFD deletion agreement, in writing, from each creditor.


The closed CC coiuld escalate to a charge-off, then maybe to a collection, and then maybe to legal action

The charge-off could escalate to a collection, and then also to legal action.

The collection couild escalte to legal action.


Who to pay first? The one you perceive as the most-likely to forther blemish your CR by escalatted action.




Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
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Re: What should i pay first

Ditto to Robert. My answer would vary based on the balances and CLs of your other CCs. Paying off those two CCs can actually increase your score or even decrease your score. It all depends on how it reports and what else is reporting.


Paying off the CA will never help your score, but if you have a chance to get a PFD accepted, then that's something to consider too.



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