Help with fico scoring

[Anonymous]

Hi.  I am 19 years old and I just recently started started to build my credit last year in August. I currently only have two credit cards with a limit of $700 each.  As of right now my EQ score from Score Watch is 687.  If I pay down my debt from $443 to only $35, would that be enough to push my credit score close to or above 700? Thanks for the help in advance!

[llecs]

Is the $443 on one card or is it a total for both cards?

[Anonymous]

It was 443 for both cards.

[llecs]

You'll get a bump of 20-30 points if one reports $0 and the other $1 to 9% of that CL. Your $35 is OK if on one card.

[Anonymous]

Thanks for the help!  I had no idea that I would get such a quick response!