Working on a 700+ score

[Anonymous]

Long time follower, BK discharged 8/18. Currently credit score is about 640ish with CK. Credit cards held are:
Cap 1 $500/$375 used
Cap 1 $300/$0 used
Children's Place $500/$0 used
Credit One $450/$325 used
Discover IT $1250/$0 used
I just applied for the Discover IT cash back and was approved for $1250 SL!!
My question is, does it hurt my score to have these cards and not use them? My utilization is about 40% I'm guessing and I'm getting that lower.
Any advice?

[Anonymous]

Well, now that you broke through the 1K barrier it's going to get a bit easier.

First off I wold BT the Cap1/Cred1 balances to Disco for 0% instead of whatever you're paying now.

Kill off Credit 1 and reconsider keeping Children's 

If you want your real scores go over to https://www.creditchecktotal.com/  Sign up for $1, get your scores, cancel before 7 days is up.

The bigger concern though is going to be if you're PIF or carrying these balances and keep adding to them monthly?  Ideally you only report 8.9% or less for the most points on your scores each month.

[Anonymous]

Congrats on your Discover IT approval!

[M_Smart007]

Congrats on yer approval!

[Pro-X]

Congrats!!

[AllZero]

Congratulations on your approval!

[tbque]

Congrats on the Disco approval!

[Anonymous]

Congrats. I agree with what @Obscure-Expert said. I would also shift my spending to Disco to take full advantage of the cash back match. No sense leaving money on the table

[Rebuild2019]

Congrats 🎊🎉🎈 @bennetton on your approval and your progress!

[Meanmchine]

Congrats !