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Also make sure that you don't have any accounts that are listed as closed yet have an outstanding balance on them, this bad to most lenders. You should definitely take care of that public records as soon as possible. As far as the collections depending on how old they are don't rush to pay them all off, if some are older than 2 years leave those at least until your are in the new home. If you pay them off they will automatically show up as current hence lowering your credit score. Hope this helps.
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