high utilization is listed first. To be more specific I have 19 C.C. now carrying a balance. Highest balance is 3150. I can either pay off 7-8 bringing me down to 11-12. Or I can pay off 3 higher ones and I'll be sitting at 16.
IMHO I would forget the scores right now and focus on getting out of debt. To that end you would make minimum payments on all but the account with the smallest balance and attack that one first and then the next smallest and so on - the so-called debt snowball approach.
These days, with CDs and other AA all the rage, they only safe way to protect your score is not to revolve any CC debt. I know that may be hard to do and believe me I've been there.