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Bouncing Back clean Need Direction FP Please

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NY2014
Established Contributor

Bouncing Back clean Need Direction FP Please

Ok just want again to thank everyone for all support here, My journey has come to very careful thinking or choice I need to ask advise what's best in this situation by giving brief
Background,
We'll my credit file clean and very thin now .. All three CRA I have only 

First Premier 
09/2010/ DOD 
 I never used this card I received this card with a statement amount due &187 just there fees  11/2010
Anyways ! After reading a lot of post in here I just wanted to pay the darn thing off .
But here's where are my concerns that I've have been contemplating?
My score across the board from EQ
Website EQ 654 TU 668 EX 652
3yrs 10 month History
Inquiries EQ 3 TU 1 (EX 1)
My EQ fico is 626
My question is ... If I pay off FP and they report charge off paid $0
Or if I assume PFD is better would prefer PFD how negative or positive best way to go ?
If deleted I have No credit history ..
If paid in full reported I would just have still in my report a neg but I still at least have something on my TU/EX as AU ?
I hope this sound something clear what I'm looking for answers because this my last major baddies to tackle but I don't want to go into a backlash how I handle this ?
Again thanks to all for getting me at this point.
Regards

Fico Score 10/6 EQ 702,16 INQ,TU 740, 9,iNQ EX 705,21 INQ,13%UTIL-
,10 yrs history,1.6 yr AA Cap1 Plat,VentureOne,QS ,Barckey RCI, BBVA,Amex BCE,CSP,NFCU Flag, NFCU Go,NFCU,Cloc NFCU busin,NFCU busin Cloc,Amex Delta busn,Bj's busn Perks,Hawaiian air busin, Citi dc, Discover IT,Chase Hyatt,U.S bank flex perks.,Am,ex Business Plat JCP. Commercial, citi Hilton
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