What is better?

[Anonymous]

I want to pay off my student loan, my car loan and a credit card with a high balance. My mortgage would be the only thing left and it would be a new account from a refi. Would it be better to leave a small balance on the credit card or to pay it off? I would like to do another refi and want to get my score higher in the near future (next six months hopefully) with better terms. My scores now are in the low 600's.

[crrredit]

let a small balance report the day the statement cuts, then pay it off before the due date so you don't have to pay interest. Do that every month--you want one card reporting between 1 and 10%.