u/Appropriate_Trade450

I know that this sort of question and situation has been asked and described a ton on this subreddit, but I would be remiss if I did not reach out and see if someone can help me. This is my last big debt to pay off. My credit score is around 550. I would love to know which of these options is best. The card was charge off just a few months ago. It is a Navy Federal Credit Union card. What is my best course of action here?

Thank you SO MUCH for the help. My wife and I have been super diligent at paying off debt and this is our last big hurdle. Ask me any clarifying questions you may have. Thank you again!!!