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Registered: ‎11-26-2012
How much does OTL account affect credit score

I'll be applying for a student loan through a private lender who only looks at Equifax. However, I'm worried that my credit score will be lower because one of my two credit card accounts is over the limit (OTL). Although I have made all minimum payments, I'm worried about utilization. 


Credit card 1: 20% used

Credit card 2: 110% used


As of today I have enough cash to bring one of the accounts down by 10% and I was wondering which one is best to pay off first? Any other tips would be much appreciated.