Which is a better idea to improve my credit score

Which is a better idea to improve my credit scoreWhich is a better idea to improve my credit score
MerrillSab asked 5 years ago

I am trying to rebuild my credit from years of neglect and stupidity as of now I have a 521 through equifax but a 601 through trans union (no idea how the big difference is posible but that’s a different matter) most of the reson it’s so low is a very poor payment history. I am now on track with all my bills that aren’t in either charge off status or collection and only have one 1 more collection to take care of. And one care off( thinking of trying to do a debit consolidation loan for that thoughts?) But 2nd and main question is which is better to pay down a current revolving debt, pay off an installment loan or get a secure cc to increase my available ratio/ usage ? Thoughts please this journey is just beginning

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