Trying to raise my FICO fast-do I pay 3 cards down to 30% balance first or focus on all cards to 50% balance?

I have way to many cards with a balance. I have three cards that I can pay down this month to 30% of the balance because the amount isn't too large. I have 8 cards above 50% but paying the smallest down to 50% of the available credit will take longer. If I want to improve my FICO score as soon as possible, can paying down the 3 balances to 30% of the available credit now make a difference? Or do I have to wait and pay down all my cards to 50% of the balance before I can see a rise in my FICO score? Thanks for that first answer, but I probably should have mentioned that I'm trying to get about 30 additional points so that I can get from "fair" to "good" credit score. I wish there was something like the fundingsuite.com software available for consumers. The screenshots on their video show an example credit report that give a simulation that if the person paid down balances to 50% on a specific card there would be a 3 or 4 pt increase in their score. I am also writing 3 letters asking for goodwill removal of one-time 30 day late payments four years ago. I may be forced to relocate in a few months and my score is currently 644. If I can get it up I'll get much better mortgage terms! Then I'll get to work on reducing all cc debt and keeping the score up....

Public Comments

1. 3 years ago I applied for and was denied a car loan. Even though I made good money working for the same company for more than 15 yrs and owned a home. I discovered the reason my loan was denied was my low FICO score. The main factor for the low score was the proportion of balances to credit limits on my one credit card revolving accounts was too high and I had 11 less than 30 days late payments. 3 yrs later I have increased my score enough to have just been approved for 550,000 mortgage loan. There is no “fast way” to raise a FICO score. Your FICO score is calculated based on a number of different factors. If your credit report lists the proportion of balances to credit limits on your bank or national revolving accounts is too high as the only factor having a negative affect on your FICO score then by paying them to75% of your available credit will help your score. Provided you stop using the cards. To have any significant increase to your FICO all card must be below 75% of your available credit. Once you have done that I would start to pay any extra money you have on the card which has the highest interest rate first. After that card is paid off take the min monthly payment and the extra money amount you use on that card and put it all towards your next highest interest rated card, repeating this until all cards are paid off. Like I said Your FICO score is calculated based on a number of different factors. In addition to the proportion of balances to credit limits on your bank or national revolving accounts are too high these other factors will negatively affect your FICO; -late payments -you are at or over your credit limit -missed payments -accounts sent to a collection agency -applying for too much new credit in a short period of time Lastly, shifting balances among revolving accounts, opening up new revolving accounts, and closing down other revolving accounts will not necessarily improve your score, and could possibly decrease your score.
2. Have a relative add you to one of their 0 balance cards as an authorized user.