I'd try pulling a new score. It won't hurt your FICO score or loan chance in any way at all.
The estimate would hinge on exactly what was reporting, balance-wise, 6 months ago, the associated CLs on all cards at that time, and your FICO scores then. All that info then has to be compared to exactly what the CC balances are reporting today with the associated CLs. Absent this info, it impossible to guess. Utilization plays a huge part in your score and it is impossible to tell without the before and after balances with CLs.
As an example, you mentioned a paydown of $200 each. If your CLs for each card were $10,000, then paying it down only $200 of a $6,000 balance will have ZERO impact to your score because you are going from 60% to 58% utilization. Conversely, if each CC had a $500 CL and you had a $250 balance on each before the paydown and $50 balance after, then you are going from 50% to 10% which could result in some modest gains.
Then there's other info to consider too like whether or not you have any new credit within the past year, if anything changed on your reports within the past 6 months like dropped accounts, added accounts, etc. Whether or not something within a baddie changed like dropped lates, change in DOLA, whether or not you have any CC COs, etc.
