Credit advice needed

[Anonymous]

I'm looking to get an auto loan in the near future. My current myfico is 660. I have one negative acct on my report. It's a collection for 1000 from 2012 that was reported 8 months ago. That's the only derogatory and I have 4 years of ontime auto payments. I am currently at 39% utilization on my ccs. My question is what would give me the biggest bump....getting a pfd on the collection or paying my utilization down to 10%? Thanks in advance.

[SamsungHDTV]

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@Anonymous wrote:
I'm looking to get an auto loan in the near future. My current myfico is 660. I have one negative acct on my report. It's a collection for 1000 from 2012 that was reported 8 months ago. That's the only derogatory and I have 4 years of ontime auto payments. I am currently at 39% utilization on my ccs. My question is what would give me the biggest bump....getting a pfd on the collection or paying my utilization down to 10%? Thanks in advance.

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Its very hard to tell which will give you the biggest bump. Nobody knows the credit formula. However, in my opinion I think if you are able to PFD the collection would be best.