What to pay off?

[HeavenOhio]

The OP has made it clear that it's the monthly payments that are a problem. The one FICO score we see is fine. And rather than looking to improve it, he was more concerned about damaging it. I don't think damaging it is likely. It's more likely that it will improve. 15K can work wonders that way.

Anyway, I like SJ's plan as it makes a significant dent in monthly payments. The only thing I wonder is if the OP can come up with an extra 1K to pay off those three cards entirely.

[George2037]

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@Anonymouswrote:

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@SouthJamaicaIf your primary goal is improve your FICO credit score and your secondary goal is to reduce your monthly payments,

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If anyone has this viewpoint above, I'd strongly urge them to consider flip-flopping those goals.  The only exception IMO would be if there was a mortgage application coming up relatively soon.

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I have a 60% UTI due to new baby, new house, new everything in 2017.  I now have a goal of, in 12 months, to make massive home improvments to our new house due to new baby.  I got my Taxes, work bonus and other various expense checks and paid off my Car note and some of my UTI increasing my monthly allotment to go toward my UTI.  I did this because I have 12 months to get it right... don't care about score till January of next year.

If I needed a high score in 30 days, I would have paid down the UTI and maintained the car payment.

It's all in goals and time frame to achieve those goals.