Question on AZEO

[tricie17]

As for myself, the AZEO method works fine even with a handful of charge offs.  The difference for someone without a dirty report is the response from the credit bureaus.  There are definitely number gains while paying down charge offs and installment loans just not the bigger jumps.  To answer your question, AZEO works either way.

[Anonymous]

Hello!

I am no expert at all, but I have an AU (0%), 1 CC (20%) and 2 charged off CCs. 
My utilization on my myfico app is showing 134% usage...so doing the math the charged off cards are throwing my % out of wack. 
Charge offs: I paid one in full last month and is now reporting paid, and closed (instant 22 point increase). The other I did a PFD and I'm waiting for it to be removed. 

In a nutshell, I think your negative accts are effecting your utilization. If you have the funds try a PDF or even just paying in full. It'll help your utilization and looks better to creditors for paying the debt. 
*I know this post is super late but someone else is bound to read it like I did, and maybe it'll help someone lol*