Do charge off accounts factor into utilization? According to my reports I’m using 114% of revolving utilization but I have no open revolving cards or anything open except student loans and I know those don’t count.
My closed cards still showing a balance are: Capital One $444 credit Limit $300 which I paid yesterday, Discover $1165 credit Limit $500 currently on a payment plan, and Wells Fargo $92 credit Limit $800 so they kept the deposit which bought it down to the $92.
Now that was the longest reply in MyFICO history @gdale6! LOL! Yes OP. Pay them down like they were still open and you'll get back some points once paid. Good Luck!