We are trying to get USDA Financing. DH's current score is 632. Needs to be at 640 or above. 

His credit report has:

- 1 30 Day Late in March 2010

- 1 Collection (PAID) from 2007

He has 2 CC's. 

- One JUST had a balance of $432 with limit of $500. Just paid it down last night to $45. Which is about 9% utilization. 

- Other CC has a limit of $5,200 and balance is $5,043.  Before Citi reports I will pay it down to $4,778. Should I try and get it to 89% utilization? It would be at 91% otherwise. 

Just need 8 pts!! Any help!