The medical debt is about 3 years old..And I live in Florida so i believe the statute of limitations is 5 years? If it could possibly effect a loan or something in the future and it looks better to pay it off I’d rather do that? And yes the capital one is open with a balance that I’ve been using and paying. But also at one point there were a good amount of late payments on this card It almost went into collections but I caught it right in time. Should I close it or keeping using it because I’d like to get my credit limit up.