<prompt> Human: So I have a 460 credit score. I have 1 hard inquiry from where I never closed a bank account, 1700 in collections, and 2 closed accounts. Ive seen people that have thousands of dollars in but their score is still better than mine. I dont say this often but I feel like this is a race thing. Either way could someone give me some advice on how I can fix it?  <response>: 1700 in collections, and 2 closed accounts. I feel like this is a race thingId normally launch into a discussion on disparate impact, and how correlation relationships are not the same as causal relationships, but thats all nugatory.You have money in collections. This is balanced against on-time payments. You have little positive history and substantial negative history.The way you fix this is to pay your debts. 