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. it just depends on everything in your report. my thinking is if you can find a relatively inexpensive car and make a decent down payment, that may be your best 