 TITLE: Which Debts Should I Pay Off First to Improve My Credit? CONTENT: Decide Which Credit Cards to Pay Off First\n------------------------------------------\nIf your goal is to lower your overall credit utilization rate, any additional credit card payments you make could help. However, other factors can also impact which card you want to pay down first:\n*   Paying down the card with the highest interest rate first could help you save money.\n*   Paying down the card with the highest utilization ratio could help your credit scores, as the individual account utilization is considered by credit scoring models.\n*   Paying down the card with the lowest balance could help you decrease how many of your accounts have a balance, which may also improve your credit scores.\nConsider your goals and then choose an account to start with—while still making at least the minimum payment on the rest of your credit cards. END