The folks here cannot guess because they don't have any idea how far in debt you are and what your credit limits here. If you list all your cards with their balance and credit limits (use the model below) people can help you better:
Card 1. Balance = ____ Limit = ____
Card 2. Balance = ____ Limit = ____
Card 3. Balance = ____ Limit = ____
etc.
The other thing that will help them is to have a complete list of your late payments, when they occured, and the severity of each, as well as any other negatives (chargeoffs, collections, liens, judgments, public records, etc.). Paying off CC debt helps both clean and dirty profiles, but by different amounts.
Getting scoring guesses from folks here is a good thing, but the even better thing is that you don't need their guesses to know how to make the right decision. You have already figured out that the right decision is to pay off all your CC debt. Then continue to have one card report a small balance every month.
Since you already know what to do, you may simply want to do it, wait till your reports have the new (mostly zero) balances, and then pull your scores. That will tell you the actual benefit and you won't have to reply on guesswork. Pulling your three FICO 8 scores costs a buck at Credit Check Total.
