Moderator Emeritus
Posts: 5,436
Registered: ‎03-10-2007
Re: Refinancing in May, CC Help needed
Maxed out card can hurt your score almost as bad as a collection.  Start with the maxed out cards brigning it below 90% if you can get them all down to less than 50% of the limit, that would be better tho the best is between 10-30% of your limit.  The maxed out one if the one that would hurt your score the most