Thanks ahead for ANY advice you can give.
Around the 10th of October I will be able to pay all my debt off with the exception of house mortgage and auto loan. I have been reading not to pay down to 0 percent utilization but to leave 5 percent. Can I pay all but one down to 0 and keep one at 5 percent, or should I keep small balances on both cards (I am paying off a VISA from my CU, and a cap one card). I also have 2 overdrafts with the cred union I am paying off. I am now at a 644 (TU), 641 (Exp), and 625 (Equi). I haven't updated equifax for 2 weeks, but I am pretty sure it is much the same. According to the simulator the best course of action of course is to pay 90-100 percent down in full over 12-24 months, but I have heard from others that paying it at once does the same thing. According the simulator, my scores should jump to 714-740. I have perfect mix of mortgage, installment, and ccs so that isn't an issue. Last late was 9-07 (so a year) and no collections (YEAH Comcast finally got removed today!) I do however have a lingering Ch7 (almost 6 years old) with 5 accounts reporting derog from 2002-2003. They don't seem to have much impact on my score and when they start falling off in 2009 I think my score will go down due to a history loss 
Anyway, experienced high achievers, any advice???
Thanks,
Lori :0
