First time buyer lots of questions!Me and my husband are wanting to buy a house in the early summer and are trying to get things in order. Right now are scores are slightly lower then what they should be. Mine is 567 his is 529. We have been working on raising our scores. Is it better to pay down our balances of current loans ( we have two auto loans, two credit cards, two installment accounts *these are all in good standings for the last 2 years*) or our old debt that we let go bad about 3 years ago? We have CC that went into collection and now we have a few collections on our credit. Our score has raised alot since we've been re established credit. So I don't want to make it worse by paying old stuff off. I wasn't sure if anyone knew.November 12 2012 - US0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.