Which to target first CREDIT UT or Collections to CSCORE?

[Anonymous]

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!

[FireMedic1]

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.

[CreditInspired]

+1 @firemedic

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

[CreditInspired]

OP, good for you for wanting to tackle this.

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

[Priory_Man]

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.