Close zero balance accounts or charge something?

[Anonymous]

Lousey credit and buying a new mortgage.

I paying 2.5 points because of my credit being at 637 instead of 640 (only 1.5 points then - saving over $3K)

I've got 4 revolving accounts w/0 bal, 3 or 4 with small balances and a couple with high balances. 

How can I bump the score quickly??

Perhaps close some accounts or charge some?

TIA 

[Anonymous]

Wanna bump your score quickly? Bring your cc balances to < 10%. Preferably to about 5%.

DO NOT CLOSE ZERO BALANCE ACCOUNTS.

[Anonymous]

Neither of those two choices will improve your scores, 

""".. 3 or 4 with small balances and a couple with high balances. .""" 

How much are the balances and UTL?   The fastest way to improve your scores is pay off as many of your cards with balances as you can, FICO dings you for having too many cards with a balance, 

Don't use the cards that have a zero balance and don't close cards as that'll cause your utilization to go up resulting in a FICO drop due to the higher UTL.

Without knowing more about your credit, it's hard to give any further advice,

Do you have any lates, collections, charge-offs?