You can manipulate your scores with your income and debit to optimize your scores.
As card #1 is about to close pay to $0
After statement cuts use card for expenses that the cash would have went to.
Repeat for other cards except for 1 card with a 2-3% balance (1-9%).
Tighten your belts for the next 30 days until you get your returns and can actually pay it all off.
Maintain a reserve with the balance, don't spend extra for the next few months. This will be your reserves.
Good luck!
If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.