need your help in improving my score

[shorttough]

Hi have the following Credit cards, trying to improve my score. Current EQUIFAX score 660

BOA         10000/10500
Discover    2184/2500
HSBC        1980/2600
Bestbuy     546/1800
Chase         0/1700
CapOne        0/2000
Amex          0/500
Citi          0/8000          (just applied and recieved)
Citi          0/4000          (just applied and recieved)
BOA AU        0/1000 ( wife's)
Discover AU   1500/9400 (wife's)

Citi Closed  4744/7800
Amex Closed  6299/9600

Any help would be apprecitated!!! thanks in advance.

[RobertEG]

FICO scores both overall % util, and the combined effect of the  % util on each individ revolving acct.

The high individ utils, even though balanced to some degree in overall % util by low or zero balances on other accounts, are having a significant adverse effect in your scoring of individ acct utils.

The effect of a high util individ account is pronounced if it is also one of your higher CL accounts, as it has proportionally more impact in your separate overall % util.

In short, the BOA account is your biggest negative, followed by the Discover.  Get them under at least 50% util.

[shorttough]

so if i balance transfer over to my two Cit bank credit cards 8000 and 4000 Credit limit a total of 8000/2 = 4000 and 4000/2=2000, 6000 would that help? but it increases accounts with balances. how much does it impact?