Valued Contributor
Posts: 1,671
Registered: ‎05-24-2007
Re: Card not mine-Will this help or hurt my score?

Unless you have virtually no credit history, an account with a utilization over 80% is likely to be hurting your credit. You also say it has a year of "no missed payments". Does that mean that there are lates on this account but that they are over a year old?