@devineer1 wrote:Finally listening to the credit guru's ... I have
Cap One $200 credit given, had a $166 bal. paid down to $0
First Prem $300 credit given, had a $250 bal. paid down to $0
Wells Fargo $500 credit given, have $400 bal. will pay this one down...
Approved for Discover it Sec deposited $1000
Finger Hut $600 credit given about $400 bal will be pay this one down
AU on Kohls $300 credit given $0 bal
Navient Student loan $4152 paying $30 set up on an auto pay
Now that I have done this.... what happens to me next? I am also working on a few baddies setting up payment/settlements ... Slow motion but in progess!
+1 Time must pass.
Pay these down so you aren't carrying any balances that are charging interest. Then use the CapOne, Wells Fargo, and Discover cards only on a PIF basis. Let them report balances on the statement at the end of each statement cycle, but be prepared and pay them in full prior to the due date. Keep doing this, and the months will roll by as you are logging more months of good payment history, and regardless of the amounts you have on the cards, your score will increase.
It is much too early for you to be worrying about "all cards zero let one report 1% - 9%" because you are still building the necessary history to get to the upper 600's or 700. Get there first, then you can look at optimization strategies.
Don't use the FingerHut unless you can PIF the statement. And only use it for items you need. No junk purchases just because you think you need to keep the card active. "Ohhh! Shiny!" 
Avoid the First Premier and consider closing it due to the impossibility of avoiding the high fees built into this outrageous card fee structure.
