Revolving Accounts: Pay down open accounts or closed accounts first?

[meeg]

Question!

I'm unsure which is more beneficial to focus on - paying down open revolving accounts to decrease utilization % or focus on paying off accounts that have been closed by the grantor?

In my particular case, I have paid down my open accounts to about a 60% utilization and am leaning towards continuing this!  I am excited to see if this change has impacted my score since I was able to put a decent amount towards even getting it to this point.  When my scores were pulled April 1st I had had a significiantly higher %.

However, its the closed accounts which have my baddies on them.

For full disclosure, the APR % are the same now (I think, need to double check spreadsheets) with the exception of one closed account that is ~4% lower.

[gdale6]

The closed accounts are also in your util calcs if they are showing  a CL. I would pay off the highest interest rate cards first and on down the list irregardless of open/closed status.