Hello, i currently have a phone bill and 3 medical bills sitting in collections on my credit report. Im wanting to purchase a home in the future and my score is BAD! i just got a small secured loan and a secured credit card to help with my score. My question is, is it better to pay off a debt or make payments? Additional Info: This was when they were first delinquent; Medical Bill 05/17 Medical Bill 01/16 Medical Bill 01/16 Phone Bill 05/16 Thanks in advance!
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