619 middle mortgage score, little help?

[Anonymous]

looking for a little advice.  im going to be looking to buy a home soon and much to my dismay it looks like my middle score is 1 point shy of the 620 i need.  so, i have 2 open lines of revolving credit, one card has a $3,500 limit with a $677 balance and my other is a $2,500 limit with a $1400 balance.  if i were to pay off one or both of these would i likely see a change when one or both report at the end of the month on my credit report?  i feel like 1 point isnt a whole lot, if i were to just pay off that $1400 balance one entirely and then reduced that $677 balance down to the 8% thing, would i see a few points rise on the report?  

any help is good help, thanks

[CreditInspired]

Welcome to MyFICO

There are 2 things you can do to increase your scores assuming there are no other derogatories on your 3 credit reports.

1. Having AZEO (all credit cards reporting zero balance except one)

2. Having one credit card balance reporting less than 8.9%.

Your scores will definitely get a bump.

GL2U

[sid33]

Any other baddies on your file?