So on the info I took from this forum, I went ahead and paid all my CC's of except for 1 which is a 300 dollar limit. I left 15 dollars on there. Prior to this my UTI was 80-90%.
I also went ahead and did a PFD with AMCOL (great company to work with) paid the 710.00 to have removed.
Current scores from FICO are 609 EX - 621 - TU - 613 EX.
Should I see a decent jump for doing all this? Also on my TU this is my last baddie and will have a clean report.
Thanks again for all the great advise given!
Dave
You'll need patience on the AMCOL PFD. I paid mine. A week later it reported $0 balance but status still said unpaid. The following week it was changed to Paid Collection. It took another 2 weeks for deletion! It was my last CA and I saw around a 40 point jump and I had 90% util on my other cards.
Right now I am waiting for Navy to report my $0 on the nRewards and CLOC and for my new HD to report ($10K) limit. Hoping for over 700 across the board! 
