Charge off revolving!!

[Anonymous]

This is my last baddie that I have On my credit report. A BoA charge off amount $586 why is this account still revolving it's killing my utilization

[RobertEG]

If it remains unpaid, it is still debt that you owe, and thus part of your balance due.

A charge-off does not negate the continued obligation for the debt or its inclusion in your % util.

[RobertEG]

If it remains unpaid, it is still debt that you owe, and thus part of your balance due.

A charge-off does not negate the continued obligation for the debt or its inclusion in your % util.

[Anonymous]

how do I handle this do I call and set up a payment plan or settle? It's 3 years old.
Also BoA still owns this account but have payment thru a collection agency. If I want I can pay full to BoA if it's partial I have to set it up thru CA
I don't have $586 right now but I want start getting this off. I already got the impossible deleted (child support) off my credit so I can't let this hold me down.

[RonM21]

I would set up payments to get it eventually paid off. Being that it is effecting your revolving balance, you'd be better served getting this taken care of as soon as possible.

[Anonymous]

I know they willing to settle should I go that rout or just go to pay in full? Going call them tomorrow