Getting pre-approved the end of next month, what should I pay down now?

[aberrant]

If you had $1,500 to put towards paying off debt according to my situation below, what would be the optimal allocation to give me the best score by the end of the following month? I am leaning towards paying off the Dell line.

Currently my 3 FICO8 scores are:

TU: 702

EQ: 694

EX: 690

Revolving:

Chase: $4,800 / $5,900 - 81% ($127/mo)

PenFed: $6,000 / $7,000 - 86% ($135/mo)

Dell FS: $1,400 / $4,100 - 35% ($46/mo)

AMZN: $1,550 / $4,000 - 39% ($53/mo)

Cap: $0 / $2,750

BoA: $0 / $4,900

SYNC: $0 / $3,700

AMEX: $2,600 / X,XXX (No limit, PIF every month)

Installment:

Car: $4,800 / $16,000 ($287/mo)

Student: $19,000 / $22,000 ($301/mo)

Total DTI: 11%

[kc0039]

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@aberrant wrote:

If you had $1,500 to put towards paying off debt according to my situation below, what would be the optimal allocation to give me the best score by the end of the following month? I am leaning towards paying off the Dell line.

Currently my 3 FICO8 scores are:

TU: 702

EQ: 694

EX: 690

Revolving:

Chase: $4,800 / $5,900 - 81% ($127/mo) THIS

PenFed: $6,000 / $7,000 - 86% ($135/mo) AND THIS

Dell FS: $1,400 / $4,100 - 35% ($46/mo)

AMZN: $1,550 / $4,000 - 39% ($53/mo)

Cap: $0 / $2,750

BoA: $0 / $4,900

SYNC: $0 / $3,700

AMEX: $2,600 / X,XXX (No limit, PIF every month)

Installment:

Car: $4,800 / $16,000 ($287/mo)

Student: $19,000 / $22,000 ($301/mo)

Total DTI: 11%

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Get those two lower than 50% utilization and you'd be fine

[Anonymous]

Are these scores your FICO mortagage scores? If not I would pay for a report to find out what those scores currently are and then work from there. With your DTI of 11%, that money could be well spent during your mortgage approval journey. I guess what I am trying to say is, you have 2 very high credit card min payments and whipping out the 46.00 payment may not make that big of a difference. of course this is just my opinion but I would definately find out what my current mortgage scores are.