better to pay down cc or installment loan?

[Anonymous]

I have an installment loan for 5000 with a balance of 4900.  I have one cc with a 6500 balance and an 8000 limit.  Four other CC with less than 10% util.  I have $6000 to pay down debt. Would it best to pay down cc or installment loan or use half towards each?

[Anonymous]

For score increases....CC util counts for more.

[Anonymous]

So is the installment loan not included in the revolving credit %.  If not I guess it would be best to pay the cc down to under 9% and just apply the rest to the installment loan. Is that correct? Thanks so much for all of your assistance.

[GLIGUY23]

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@Anonymous wrote:

So is the installment loan not included in the revolving credit %.  If not I guess it would be best to pay the cc down to under 9% and just apply the rest to the installment loan. Is that correct? Thanks so much for all of your assistance.

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The installment loan is not revolving. I just aquired a credit card because I had no revolving credit only Installment loans. From what I have gathered on these forums lowering utilization on your credit cards will help increase your score. 

[Anonymous]

You score takes into consideration revolving util (this is CC's, credit you can use over and over) and your installment util (this is credit that you use once and when PIF it is closed).

However, installment util counts for far less than revolving util does.