Which baddies to take care of 1st to improve FICO?

[Anonymous]

I have different kinds of baddies on my CR. Some accounts listed under revolver, installment, collections, and other. The accounts listed under other appear to be CAs who bought accounts from original creditors that are still listed under revolver but with $0 balance.

For example:

#1-Revolver CO for $500

#2-Collection account for $500

If I can only take care of one account right now from those listed above, which one shoud I tackle first to see FICO go up?

[Brian_Earl_Spilner]

I would start with any account in default that hasn't gone to a collection agency yet. 1 ding vs 2. Once a collection shows up, you now have 2 baddies for the 1 account.

[Remedios]

@Anonymous  Like @Brian_Earl_Spilner  said, go with the one not in collections yet, but don't expect too much in terms of score improvement till you deal with the last derog. As long as you have one collection or CO that's updating, it will keep your scores suppressed. 

[Anonymous]

When it comes to baddies, 2 things matter most. 

1 - The severity of the baddie(s)

2 - Hold old they are

You want to get rid of your most severe and most recent ones first.