I'd be inclined to believe that nuance is out thewindow on this one. When in a similar situation I immediately paid to zero what I could, then bought everything down to 79%, 69%, 59%, 49% and so on. I saw massive score increases rather quickly. However I was nowhere near your utilization threshold. Either way, throwing the 30k at the debt is the way to go! Best.
I have to agree with @FireMedic1 on this one. Get those below 90% to begin a score raise, and then hit the others according to APR if you are not going to Dave Ramsey that ish.
Ive been where you are, you can get through it. Good luck.
Thanks all! Payments have been made.
