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Unsecured credit line, but score haven't gone up

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I have a unsecured credit limit with a credit union,its reported to CB monthly, I have a few bad accounts either in collection or charged off, will settling these accounts help my score go up since I have a open unsecured credit line with the credit union?

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As I understand it the only thing that will help your score is getting the accounts removed from the credit reports. Paying the accounts down to 0 has no effect on your FICO 8 score.

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