nismoZtuner wrote:I can pay all of it off just not sure if it will help boost my score if I let it report for this month..
Your score is a function of many factors, but utilization can't be manipulated for a permanent boost. You'll be floating around the same range as your utilization changes. Unlike age, where over time, it will can your score, you can't incrementally increase your score by keeping your utilization low every month. Some months it will go up, some months it will go down, but it will maintain within a specific range.
Like dj said, if you need an artificial boost for something near term, pay it down with a small balance left. Otherwise, doesn't matter.