From what I read the debt is the only main things holding you back I wouldn't add anything or remove anything only work on getting the Baddies removed and also keep your Utilization as low as you can if possible under 20%, with the AZEO part it does work also if all your cards together equal to 8.9% for instance if you have 3 cards you want to do one at 3%, one at 3% and one at 2.9% or lower this method also helps to have higher boosts and if you can I know this part will be even harder but get it all down to where you can have your payment reflect 0 then put a few dollars to reflect on your statement as long as they are 5 dollars and above and below the 8.9% as mentioned before collectively! Good Luck that is a lot of debt but sounds like it will be worth it when everything is said and done!
Thank you for your response. My biggest concern is to make my monthly payments on my loan and get my credit card dent down. I am at 24% utilization but my recent apps and CLI have not reflected so it is more like 18% which is around $18k. He will be working on that and by the time we are ready to buy his car loan with be done as well as my personal loan so just trucking away and luckily neither one of us have baddies.
Sometimes it does take a while to reflect so that part is ok and try not to remove ones that will hurt more than help your score if removing the car loan will lower your AAoA significantly I would keep it on and just get it as low as you can but you guys aren't far off so that is good and you sound like you have a plan already as well
We have had the car loan on since 2015 but he has a lot of accounts much older which helps. We have another $10,000 to go and we are not planning on early payoff.