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A credit score of 450 is poor. You have far more poor credit than one collection. You should pay off your collection and make every effort to bring current the other accounts that are passed due. An average credit score would be in the neighborhood of 625. You have a long way to go.
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Earn +20 ptsQ: If you have a collection on your credit report of 450 from 4 years ago would it be beneficial to pay it off or just let it ride out the 7 years and would paying it help your credit score?
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