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!
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.