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June 2007 TU 563 EQ 622 EX 539
mlynne37wiu wrote:Hello to all -- quick question...I've read that the best way to reduce credit card debt is to pay off the ones with the highest interest first and then focus on the next highest, etc. until they are paid off. I have also read that to increase your FICO score you should have small debt-to-credit ratios on your credit cards.I am paying off about $10,000 worth of debt and I'm not sure which way will help my FICO score most:1) paying off the highest interest-bearing cards while the lower interest-bearing cards are still almost maxed out leaving me a high debt-to-credit ratio on those cards, or2) putting payments toward all credit cards (and not paying off largest interest-bearing cards) to reduce my debt-to-credit ratioSuggestions? Advice? Thanks in advance for any help!Michele