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Which to target first CREDIT UT or Collections to CSCORE?

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Regular Contributor

Which to target first CREDIT UT or Collections to CSCORE?

Which to target first CREDIT UT (current UT is at 30%) from most recent update this month (Dec.) or Collections for CSCORE?

Appreciate any reply, happy holidays to all! Smiley Happy

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Super Contributor

Re: Which to target first CREDIT UT or Collections to CSCORE?

Anything that isnt paid will look a whole lot better paid. 30% util isnt the end of the FICO world. Pay off the debts and stay below 30% or try to get below 28% would be even better. Pay the debts first. More advise will arrive shortly. My 2 cents.

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Community Leader
Super Contributor

Re: Which to target first CREDIT UT or Collections to CSCORE?

+1 @firemedic

Agree—pay off collections first. If you were maxed out, I would say get UT down but you’re far from that.

DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
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Community Leader
Super Contributor

Re: Which to target first CREDIT UT or Collections to CSCORE?

OP, good for you for wanting to tackle this.

Paying off collections first—that’s what I’d do.

DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 4 of 5
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Established Contributor

Re: Which to target first CREDIT UT or Collections to CSCORE?

Collections for sure, your UT is not that bad really, though if you could squeeze it down to 28% and still take care of your collections that would be optimal.





~~ Former Royal Navy Submariner - Proud to have served ~~
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