It is currently 60%
I know its not the best, the problem is If i use them one time it puts them at a high ratio because they are so small. Should i just pay them off and not use them for a bit?
So do i keep the two low $300 SC's?
Don't close anything! If you close your cards your scores will go DOWN and not up!
It would really help if we had some additional scores to give you more accurate advice. People that have thin files, as you do, sometimes get really screwy scores from the free score websites. (All the free score websites are not very accurate.) If you don't want to pay for a score here at MyFICO you can try a few other free score websites and stop back here with the results. It would help us tremendously and you can even see if you have any other additional baddies that you are unaware of.
Try these websites:
Each one of these sites has its plusses and minuses and none of their scores are completely accurate but are usually in the ballpark.
Get your scores and report back here.