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January 3, 2015 at 3:48 pm #3675
Sorry for the SUPER late reply. It sounds to me you’re on the right path. Paying old debt and establishing a good credit history is essential to having a good credit score. Getting those collections deleted is the definitely the way to go, otherwise they’ll be on your reports for 7 years and will make things harder in the long run.
Please let us know how you’re doing with your capital one card and credit builder loan.