MarineVietVet wrote"even if the account is closed as long as payments are made on time there won't be any delinquencies.
I see. I had no idea you could make payments on time after an account has been closed. 
@Anonymous-own-fico wrote:
I see. I had no idea you could make payments on time after an account has been closed.
How would a closed account keep someone from making timely payments? The money is still owed. You pay it each month just like you did when it was active.
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
It doesn't look like your scores need a whole lot of help.
Are you still accruing interest on the closed accounts?
If not, and since they don't seem to be factored into your utilization, pay off the open one first. If they are, do what makes most financial sense and figure out how much iinterest you're accruing on each tradeline, and pay off the highest (that will wind up being the fastest route to pay down all balances eventually if you recalculate that each month or thereabouts).
At a 740+ credit score you're going to be in tier 1 to tier 1.5 (usually same rate) for almost any loan secured against a vehicle anyway.
@TCarson wrote:Name--------Balance--Limit-----Interest
CitiBank----0--------15,000----22.99 **
Amex--------0---------2,000----16.99
USBank------2,747-----7,500-----9.99
Juniper-----4,592-----5,000-----3.99 (Balance Transfer)
Chase1------4,098-----5,000----21.99
Chase2------4,449----25,000----23.99 (Closed)
Chase3------5,081----11,000----22.99 (Closed)
As of this month, I have about $1,700 extra per month to use.
In July I will pay off my car and have another $800.00.
I plan on taking one month off the repayment plan to go on vacation this May, so I will be done with this by December.
Well this is what I would do. But remember that it's just one man's opinion and I'm certainly no scoring guru.
I would make minimum payments on US Bank, Chase #2 and Chase #3. I would then divide that $1,700 up into 2 parts- $1,500 a month to Chase #1 and $200 a month to Juniper. I know some will advise paying more on Chase #2 and #3 because of the high interest and that is a valid approach but since FICO scores both overall and individual account utilization IMO it's more important to lower the utilization of the other accounts first since their individual utilization is higher.
If you can use that $1,700 in this way for 3 months (March, April, and June, skipping May for vacation) the Chase #1 will be paid off or close to it sometime in June. Juniper will be around $4,000 after this time. Then beginning in July I would use that $1,700 plus the extra $800 and divide it once again into 2 parts- $2,000 to Juniper and $500 to US Bank. This would mean a payoff of Juniper by about August with the balance of US Bank about $1,700-$1,800. These are just guesses.
By that same August date if everything goes as planned you will have completely paid off Chase #1 and Juniper and reduced US Bank from $2,800 to around $1,800. That means a reduction in total debt of approximately $9,600. This is not counting the reduction of the other account balances by minimum payments. And if those figures are fairly accurate your overall utilization will go from slightly over 31% to about 17% or so. That's a pretty good drop in such a short amount of time.
After August you have 3 months until you say you are done in December. I would use that $1,800 for 3 months ($5,400 total) to pay down the balances on those high interest Chase #2 and #3 cards. And any extra dollars you can find during this entire time need to go to debt reduction. You must be disciplined or it won't work as fast or successfully.
Whew!! I think I did the numbers correctly but I offer no warranty on my work. 
I'm sure you'll get other opinions and suggestions and I would not be surprised if some or all of them are better than mine. Take all of it in and then decide what you think will work best for you.