hi guys,
a year ago i got a chase 0% card and didnt paid my balance and accrued about $2000 (limit is $2100)
i didnt knew that it would hurt my credit score...
now i am applying for student loans and my fico score is only 637 so i plan to payoff entire $2000 and clear my account..but i dont know whats better for increasing fico score ..to payoff entire amount in single transcation or divide it for 2-3 payments???
how long it would take to increase my score.
thanks in advance for your help.