DO NOT be embarrassed. Practically everyone here is or was in the same boat. I am sure there is someone with 10x as much debt as you. No one here is judgmental but share only what info you are comfortable with.
I'm embarrassed to say how much we owe - it is way out of control! The finance charges went really high and it just started adding up and up and up. As soon as I compile the list I will let you know. Maybe you can help us. Thanks!
Ask your mortgage broker or lender about "Rapid Rescore". If you pay a fee, you can get your reports updated right away. It costs about $30 per TL per CRA. Might be worth it if it boosts your score enough to get a better rate.
It would be a heart-breaker if you two paid down all your cards right before you needed your new scores, but no one bothered to update your reports. So for that reason alone, the earlier you pay, the safer.
That is what I think - but now I just have to convince my husband that this is better.