not sure what to do. trying to buy a new car at the end of the year. thank you.
before you do anything, it might make sense for you to put that cash toward a car if you need to get one in order to have reliable transportation. you can pay it toward the charged off credit card but it probably won’t boost your credit score in the short term because the charge-off will still be there and it’s negative no matter what. you could also try using it to bring down the other balances, but i’m not sure how much that will change your overall score because of the charge-off. 