Hi all New to this forum and was hoping to get some advice. I have several outstanding medical bills that have appeared on my CR through a CA. I was recently able to pay off all 3 of my credit cards. I can't pay these CA's right now. Would it make sense based on improving my scores to pay to CA's with my credit cards and carry the balance or leave zero balances and not pay the CA's ? i don't know if that was confusing or not. I guess I am wondering which way is going to hurt my scores more ? thanks Bill