Will my scores jump or crawl?

[Prettybg]

Hello and HAPPY NEW YEAR!!

I found this forum about a week ago after doing a Google search for "ways to raise my credit score" and it brung me here 

I've read a lot and learned a lot in just a week LOL but here is a little bit about my situation.

I have 7 cards:

1.OLD NAVY VISA

$2500 limit

$815 balance

APR 23.99%

opened 12/17/2013

Store card since 11/2/10

2.LORD AND TAYLOR

$2000 limit

$1039 balance

APR 25.49%

Opened: 10/19/2011

$800 transferred to orch/cap1 1/10/14(lower apr of 12.90%)

3.CARE CREDIT

$2100 limit

$720 balance

APR 0% for 24 months

Opened:8/23/10

4.WALMART

$1600 limit

$345 balance

APR 22.90%

Opened:8/2010

5.ORCHARD BANK/CAPITOL ONE

$1300 limit

$497 balance

APR12.90%

Opened 2/15/2006

6.CAPITOL ONE PLATINUM

$500 limit

$0

APR 22.90%

Opened 3/4/2007

PAID IN FULL: 1/9/14

7.LOEWS

$700 limit

$0 balance

APR 24.49%

Opened 8/2011

paid in full 10/2013

I also have a mortgage, car lease and 2 student loans(monthly repayments)

Will paying 1 or 2 cards off at a time cause my scores to jump or will they crawl/stay the same since I still have other cards with balances?

Thanks!

[Luscher]

paying down your debt will raise your score. your score also took hit from that inquiry from 12/17 and the new account will also effect your score but should bounce back in 6 months or so.

I would say to boost your score, pay off all cards, don't apply for new credit, let accounts age and inquiries fall off.

[Prettybg]

Thanks for the quick reply! I'm so upset about the new account because I was told by old navy that it would not show as a new account since I upgraded from the store card. But it's too late now it's already on my reports as opened as a new acct and my old navy store card isn't reporting at all! I don't fully understand that part. Also they didn't put an inquiry on my reports for the old navy visa card upgrade.

[Luscher]

Stuff happens lol. It will age

[toi34]

...ALSO...

You should not be carrying a balance on more than 2 cards; almost ALL of your cards have balances on them, and...these balances look like the make-up more than 1/2 of the credit limit! You are losing significant points for having too many balances and for having near maxed-out cards. You should see a 25-45pt. boost if you pay off all but 1-2 cards to $0, and let very small balances report on the those two cards.

[Prettybg]

Thanks for the information! I plan to have them paid off my 3/2014!!