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Hello everyone! Thank you for the help in advance. I'm going to try and not draw this out for everyone, so lets get to it. Here's my current status and situation: Recently I moved to MI and obtained a job that brings in about $1600 monthly after taxes. My bank account has a balance of around $2k at any given time. I'm currently lucky enough to live with family until my finances are straightened out enough to get back to my own place. My GOAL by February 2016 is to have a 650-700 credit score so I can move down south. I'm hoping to be able to boost my credit score while maintaining a stable work/housing history to purchase my first house. First things first though, repairing my credit. Current credit score: 568 'Open Collections Balance' of $1,095. Two accounts are reflected in this: 1- ER visit $748 OPENED 01/2014 REPORT DATE 04/2015 2- Verizon $347 OPENED 12/2013 REPORT DATE 03/2015 Should I pay these off? *I am able to pay them off now if need be*Would they help my credit or am I just paying into nothing?'Past Due' 1- Credit Card $5,569- OPENED 08/2011 REPORT DATE 02/2013 *Account status for this is still OPEN. This is actually a car that I have given back to the credit union once my ex went to jail. They have not contacted me to let me know how much was needed to be paid on it after they came, got it and put it up for auction. Should I contact the credit union regarding this?Should I pay it?Would it help my credit score?'Student Loans' 1- $3,914 *Making $100 monthly payments on it. I believe this is my only account in good standings/no late payments. Do student loans reflect on your credit rating?No revolving credit or credit cards at this point. No bills in my name, but I will be obtaining a secured credit card this month. What, if anything, could I do to raise my credit score? Once again, thank you for the help.