For maximum score impact you want to 'unmax' your cards. You get into score penalty area when your balance is over 90% of the credit line.
So....
Make sure everything is under 85% of the credit line. Yes, 90% is the magical number, but remember, they add stuff before reporting usually, such as interest, so its good to have a bit of extra room there.
After that, you have several choices depending on your real goals. Paying off the Walmart card would feel good, so that is a good idea.
If you don't have much money in a savings account, I highly recommend putting the balance away in a rainy day fund, but make sure it stays there.
Work to get your each card to under 30%, then under 10%.
Remember though, maximum credit score doesn't help if the goal is to use the score to run up more debt. Its a tool.
Dan
Just trying to get my scores to rise from the dead......
Wait.... I think I just heard a heartbeat!
