The collection SOL in KY looks like 5 years on an open acct (credit cards are considered open accts) so you may want to just wait on doing anything with that one..
You really don't have much leverage on an acct that's still within SOL unless they are either reporting it incorrectly OR the charges/balances are wrong and you challenge it.
You could try contacting them and negotiating it down but there's that chance that they could just be jerks about it and say "nope.....you have to pay it all" and then you do run the risk of being sued if you wake up a sleeping giant.
Some may tell you that you are not likely to be sued for under 1K but I have found that to be false... I was actually served on a fairly small debt (I think it was like $650).. so you should still be careful.
Sorry, I don't feel like helped much.... but you may want to just let that one age a bit before tackling it..
Focus on getting your positive TLs going and dispute any other derogs that are out of SOL and your score will start to go up...
Another TL with a higher CL that you may want to try is Crown Jewelers. They don't pull your credit and pretty much anyone with a job and phone # is approved. They usually give decent CLs like $1500...... all you have to do is purchase something (I purchase a very inexpensive pair of earrings) and make the small monthly payment and they report to all 3 CRAs.
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