New Member
Posts: 4
Registered: ‎10-02-2012
What will impact my score more?
[ Edited ]

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.