Carson Smithfield

[FireMedic1]

Your best course would be to pay or settle it so it quits updating each month and affecting your overall util %. a CO is a maxed out 100% utilized card and kills your score. Like @gdale6 said. Work with the CA. Either way just get it in the past on move on.

[Anonymous]

My main concern is that I'm looking to get a car loan in the next couple months through my credit union and was hoping to bump up my score, even just a little bit.

Willing to pay in full if that would look better on my report, as well as my score.