Not sure there is enough information to say what will get you a 20 point bump. What are your current scores? Are the signature ones accurate? What else is on the report that is affecting your score?
Basically, you can fix 9 out of 10 things on a credit report, but the significant score impact is when you fix number 10, the first 9 will only have a mild impact.
That said, my adice is simple:
1. Pay everything to less then 85% of the limit. This keeps you out of penalty terrritory.
2. Pay OFF as many cards as you can. In your case, this means starting with the $2000 limit ones and then working your way up.
If the numbers work so you can get under 30% total utilization, you might get a pretty good bump out of it.
Realize if you are going for a mortgage, you don't just need a credit score, you need 'optics', it has to look good to someone physically reviewing your report. Generally speaking, the fewer the lines of credit with outstanding balances, the better.
Dan
Just trying to get my scores to rise from the dead......
Wait.... I think I just heard a heartbeat!
