Rather than starting a new topic, I'll revive my old one.

Currently my score is 659. It took a big dip to 640 when I had to max my card in Aug. I know this was going to happen, but not this much.

Recently my limit on my CC has increased to $500 about a month ago and i got approved for a Walmart yesterday for $400 I believe.

I also payed of one of my debts with was only $200, but i still have others.

I have two questions.

Whats my next step in building my score and what should the 3rd card be.

and

Is it better to pay a debt in full or pay the settlement...or does it not matter.

...three questions.

Thanks