Thanks for your post.  I 'm trying to understand where the 100% is coming from.

I guess neither cc reports a credit limit.  So my $40 Visa balance that I will pay off when I get the bill is counted as 100% utilization?  Should I just pay off any balances before the last business day of the month so they report with $0 balances, regardless of the billing cycle?

I only mentioned that I have high income because in theory I could pay off the HELOC and cc's instantly, but I'm not sure that helps decrease the 100%.  Closing both cc's (which I have had for 10 years) to find a cc that reports a credit limit doesn't seem like a net improvement.  And I can't figure what the issue is with the HELOC (Wells Fargo), since $5,000/$70,000 shouldn't be counting so negatively against me.