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Which to target first CREDIT UT or Collections to CSCORE?

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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

Message 1 of 5
4 REPLIES 4
Senior 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.





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 2 of 5
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.
GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 3 of 5
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.
GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 4 of 5
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 ~~
Message 5 of 5
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