Pay off old collections or continue saving

[Eric Moody]

Hello community!

So im on step -1 due to past finacial neglect but have come to my senses and have been able to save a decent chunk of money (to me atleast).

My question is should i use this savings to pay off my old collections or continue to save for a down payment. I could pay off roughly 70% of my collections. Collections are between 3 and 5 years old