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I used the score estimator andn saw that taken my credit card debt down to 1-5 percent will finally after 4 years get me into the 700 club.
With that said im curently using 83% of my revolving credit. All the cards have interest rates 20% and above. I have enough money to pay them all off.
I have a 6 cards Us Bank cl 300; Capital one $1000; Citi $1000; Credit one 1025; Ge money 1050 & Barclays 2700. Should i leave any debt on the cards and also which ones should i close? I thinking about the Credit one card it served its purpose.
If you are paying interest on all these pay them all off and then charge 1-9% of one cards CL and let that report to the CRAs to maximize your FICO scores, once the CRAs are all updated you can close the Credit 1 of you feel it is no longer needed, then I would request CLI's on all the other cards.