Hi Everyone,

 

I need some guidance please:)

 

I am ready to start paying down some credit card debt. Should I pay off closed accounts that have balances first or open cards that have high interest rates? Which would help my credit score more. Thanks so much!

 

Was approved for Kay Jewlers card last night, $3200 CL.

 

Had the following on my report:

 

TU Score – 633

Utilizaltion – 70% (before)

Lates – numerous 30, 60, 90, a few 120, a few 150

 

It will bring my AAoA down some, but I think it will be for the better overall.

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