Need your advice on which accounts I should pay off to help increase my score. Currently my EQ Fico score is 623. Any input is greatly appreciated. - I was able to GW two 30 day lates and that increased my score to 632. 
Belk $544 / $1,300 limit - current balance $337 (already reported for the month)
Regions CC $388 / $1,000 limit - current balance $150 ( has not reported for the month)
Cap 1 (unsecured) $406 / $500 limit - current balance $38 / cli to $1K ( hasn't reported for the month)
walmart $0 / $1,500 limit - reported
Macy's $0/ $1,500 limit- reported
Dillard's $0 / $300 limit - reported
Firestone $0 / $ 1,600 limit- reported
Kohl's $0 / $1,000 limit - has not reported for the month
installment loans
Regions $2,000 loan / Balance $1,300
Santander $793 / paying off today (hallelujah) - paid off and it dinged me 4 points 
current score is 628
Current utilization right now on my revolving accounts is 15%. What are my chances of seeing an increase? I should probably mention that I have two collection accounts, one is 6 months old and the other is two years old, both paid.
Any idea how much my score will improve if I get my utilization down on some these revolving accounts? Thank in advance for your input/advice. Also, Walmart, Kohl's, Dillard's, and Regions have not reported for the month. That should help once they report, right?
