We need to get to a 660 and fast! We need to get some $$ out of our home (owe 155k, valued at 196k) to make some emergency repairs. Need about 14k, so we're out of the 80% LTV range.
We'd been in the 640 range until some inquiries, a new auto loan, and some high utilization of our CC's got in the way. There have been NO lates in 18 months, but nonetheless our scores have dropped to 615 and 595. I think it's primarily because of our CC's. Right now, I have the following:
Just wondering what I should do on these. Paying them completely off is not an option, but I'll have about $200 to pay them down. Should I:
I know the magic formula is to have one at <10% and the others at 0%. But given my circumstances, I'm hoping for the biggest bang for my buck, so to speak.
Thanks in advance.