trying to up my scores

[dfitzg]

Ok i have 5 cards all with high util.

Chase 300/400 18%

Cap1 1350/1550 8%

Macys 270/300 ( limit was 1000 got CLD) 22%

Target 400/500 23%

Household 400/500 14%

Im making payments now with a goal to pay them all down to about 20-30%

Just got my eq score and it is 631.

my goal is in 5-7 months get a car loan.

any suggestions on how i should pay these down, highest rates first or biggest bal first or just pay them all down gradually ?

thanks in advance

[llecs]

If your goal is to increase your FICO scores, then pay the lowest balance first. Ideally, you'd want 1/2 to all but one reporting $0 with the remaining one or two reporting a small balance of less than 9%.

[dfitzg]

as of monday my macys balance will be $100.

its a slow start but should i pay it off on the 21st or move to another card to bring it down ?

[llecs]

If there's a balance on Macys, then I'd pay that off first before throwing the excess money at the next lowest.