I would suggest removing any negative item off of your credit report if you have any. If you’re trying to raise your score this is the quickest way of doing that. I find it to be a “life-hack” lol Credit building accounts are GREAT for thickening up your profile but don’t really do my much. You can raise your score 40yrs in a year if that with a credit building account but if you take off a collection your score can jump that in 2 weeks 🤷‍♀️ just a different perspective 😊