After all was said and done, my score increased to 626 from 564 in one month! That was a 62 point bomp just by paying down the balances. I ended up adding $5300 in new lines to my credit (last one was yesterday when I pulled the trigger on a Belk's card while checking out and got a $500 approval). Will be interesting to see what happens when all the new TL's hit my credit next month. Thanks everyone!