$4500....what to do ?

[sj]

Trying really hard to rebuild my credit, doing ok with it.  I owe around 13K in cc debt.  I have around $4500.  that I can pay some off, should I pay all the small one off ?  If I did that I would only only be left with a sears oweing 2500. and a discover oweing $6900.  If I did this would my scores increase ?  How much ?  I want to get a home eq. loan and need my scores to increase.  Right now my scores are around 600....so they need to go UP.  Thoughts ????  Thanks 

[Shogun]

Different things come to mind.  Are any of them near the max of your CL?  If so, I'd pay that down some so it's not maxed out.   Is there a big difference in the APR, so that one is costing much more than the others?   I like paying off the ones I can, that way I can take that money and throw it at my next one and get it paid down.

[polno1234]

i have heard of discover balance chasing with scores that low. i would pay sears off an throw the rest on small cards to pay most of them off. then pay the other small cards to zero balance and then work on discover. they might not balance chase you that way.  once you get discover to 1-9% util you should see nice bump. the money you were using for the small cards can be used for discover. make a budget and stick to it. i pay my girls discover and she has three other cards aswell. our hd card has a balance but the other 2 dont discover is at around 50% util and her tu08 from discover is at 671. we also have new mortgage aswell, 6months old. many things go into a score so it is impossible to say how much it will go up.