Definitely pay and get your util down on the CC.  Since the student loans are in defferement, concentrate on paying the auto loan off.  That's a high percentage rate and will save you money.  After that start paying down those student loans.  You seem to have a good idea of where you are in your current finances so good luck to you!.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
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