At $850 reported balance on AMEX, you are above 10% utilization on all CL's ($8250) and you are nearly maxed on that card. FICO high achievers average 7%.
Your installment loan to CU, I would suggest paying 35% of the balance off. FICO high achievers average having paid down 35% of installement loans.
Paying your CapOne auto loan down by $5500 will put you under 65% balance from original loan amount. FICO high achievers average having paid down 35% on installement/auto loans.
Don't apply for any new loans (inquiries), though I would suggest looking at refi options on the auto. If you want to save money, then start by saving on that halacious interest rate 
Have a garage sale, ebay and craigslist sale. We all accumulate stuff that we don't need, don't use, don't want, don't remember, stored in attic/closet/garage/shed or worse yet in paid storage or have certain luxuries that we can live without but would bring a price. People raise hundreds and even thousands this way. You can use these funds to pay down debt mentioned above without impacting current savings.
Make sure you have an iron tight budget. See if there is any place you can make non-essential cuts and put the difference toward your auto loan till you get it refinanced. You're paying OVER $4000 per year in interest right now. Getting that refinanced at 8% would mean you could pay almost $2500 per year in additional principle without increasing your payment from current levels (if you refinance, don't actually pay less, pay the same and do some damage on the balance )
@Anonymous wrote:At $850 reported balance on AMEX, you are above 10% utilization on all CL's ($8250) and you are nearly maxed on that card. FICO high achievers average 7%.
Your installment loan to CU, I would suggest paying 35% of the balance off. FICO high achievers average having paid down 35% of installement loans.
Paying your CapOne auto loan down by $5500 will put you under 65% balance from original loan amount. FICO high achievers average having paid down 35% on installement/auto loans.
Don't apply for any new loans (inquiries), though I would suggest looking at refi options on the auto. If you want to save money, then start by saving on that halacious interest rate
Have a garage sale, ebay and craigslist sale. We all accumulate stuff that we don't need, don't use, don't want, don't remember, stored in attic/closet/garage/shed or worse yet in paid storage or have certain luxuries that we can live without but would bring a price. People raise hundreds and even thousands this way. You can use these funds to pay down debt mentioned above without impacting current savings.
Make sure you have an iron tight budget. See if there is any place you can make non-essential cuts and put the difference toward your auto loan till you get it refinanced. You're paying OVER $4000 per year in interest right now. Getting that refinanced at 8% would mean you could pay almost $2500 per year in additional principle without increasing your payment from current levels (if you refinance, don't actually pay less, pay the same and do some damage on the balance
yes, true but addressing these factors will not really offer the marked score increases that paying down revolving debt typically does.