Those high balances are definitely exerting a strong downwards pull on FICO...not to mention your wallet.
If you're paying 14.9% interest (typical for a credit card) on a $25,000 balance, that's about 1.24% a month. On $25,000, that's $310 a month. So don't worry about your FICO. Worry about that $310 a month you're throwing away on interest charges. Take care of that, and your wallet--and your FICO--will be fatter.What he said.