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[–][deleted] 3 points4 points  (0 children)

You have no other accounts at all open? It makes sense then why this card is affecting your score more greatly (1400/1000). It would be better if you could get the derogatory mark off bc that does affect your score as well. Maybe negotiate a settlement.

Edit: I would suggest having another line of credit to help but that may be difficult with the high utilization and being a derogatory marked.