I have two accounts that I don't know which direction to go with. What would be the best action pertaining to my Fico Score?
Account # 1 - Account is a old medical bill for $ 153.00 that goes off my account in 2 years. Should I pay it and it then stay on for another 7 years or just let it die after the two years? Which is best for the Fico Score?
Account # 2 - I was an authorized user on a credit card my x-wife and I had together. The payment has always been on-time and the report shows a credit limit of $3800.00. Two of the three credit agencies have not updated the record since 2002 and one if still showing a balance on the card. Whatis the best course of action for my Fico score? Get it removed, or leave it alaon, except the one showing current activity?
Appreciate the info.