I paid off my credit cards back in December. My score went up. I haven't check my score since April. There were the 600 and low 700. For reason different things came and I started using them again. I think I'm almost close to my limits on them. I have 10 credit cards and 7 carry a balance. One of cards capital one I notice is over the limit because of the fees they charge me. What can I do? So I apply for a loan to buy them off? What kind of a loan can I get? My scores would of dropped because of the usages.