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You pay them back because lenders can see if the default is paid or unpaid, and the lending available is priced accordingly. Pay back a negligible debt = Better rates saving thousands over time.

Pay off the utility bill and the credit card if you want to borrow money at all, but it's not going to clear your credit rating at this point. The good news is you can still borrow money with bad credit. Having such a large deposit makes it very favorable. You're going to have to pay higher...