What will impact my score more?[ Edited ]
10-02-2012 11:26 AM - last edited on 10-02-2012 11:54 AM by llecs
I am new to this, so I do not know how to create my own threads yet,, but I was wondering when doing PFD on accounts in collections or Charge offs, which ones are the ones worth removing? I have some from 2009-2010, but I was told from a friend that those will actually lower my credit score.. she told me to only focus on paying down my debt first.. sounds smart but I just want to know where to start.