collectioin account decision

Questionscollectioin account decision
asked 4 years ago

I have a collection account for 500$ .  They have agreed if I pay it, they will delete it.

I really need this gone asap. I can pay it and put it on a CC that has 0 balance, but a 1k limit – so my util will be 50% on that card.

 

what the bigger hit? The collection account on the report or a card reporting 50% util?

 

TIA

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