rockhound wrote:If I pay this off completely how will this change my credit score
We can't tell you what your score will be but you're getting dinged not only for high utilization but for having a maxed card as well. You'll definitely see an improvement from dropping it. Hopefully you can get it dropped before any adverse action is taken since it has been high "for some time".
rockhound wrote:How will prolonged high utilization effect my chances of getting approved for future credit cards or charge card
Having high utilization is already affecting your odds of approval. Even if you are approved high utilization will increase your APR's and reduce the amount of credit that creditors are willing to extend. It won't be an issue once you get it dropped.
rockhound wrote:Who should I use to get my credit report and scores?
Scores are kinda pointless IMO. Creditors generally only use FICO's but unless you can purchase a score using the same CRA & model as the creditor you're applying to then the score you get and the score the creditor uses will differ. Focus on the data in your reports. Scores are based on the data in your reports so good reports will lead to good scores.
You can get reports from whereever you want. If you haven't used your annual report then get them from AnnualCreditReport. If you're just getting reports the CRA's offer the reports in the neighborhood of ~$10 each but you have to do some digging to find the link to purchase just the report without their FAKO scores and other stuff they're trying to upsell.
rockhound wrote:I haven't pulled my REAL credit score but my creditkarma score is 702. I know these are fake credit scores but it gave me a little idea of where I am.
"Real" and "fake" are irrelevant. All scores are "real" -- it's just that creditors generally don't use non-FICO scores. However, don't assume that the score you buy from myFICO is the same score that a creditor will use in its decision making.