Help! Need Advice...

[Anonymous]

First, this forum is great and thanks to everyone that contributes...

I have a Bestbuy CC with a balance of 1183 CL 2000

I have 3 CCs with a balance of 145 CL 500,

                                                     90 CL 300,

                                                     90 CL 300.

May 1st I will have 350 to pay on the CCs, should I pay off the 3 low ones or should I continue to pay down the Bestbuy CC. Which choice will give me more bang for the buck? Any comments are greatly appreciated.

[Marvintran]

FICO wants to see you have low Ult. and less accouts with balance

So pay off the three smaller cards with balances and your scores should jump a bit.

[Anonymous]

Thanks...I was leaning toward that but my wife was saying pay on the Bestbuy. I have my one "I was right" for the year...lol.

[Anonymous]

Yes   pay the lower 3 CC.  FICO likes low UTIL  AND  some CC with Bal $0