My wife and I are buying a house, and in order to get a mortgage we had to pay off a few old debts that were on her credit history. We used two of my credit cards to pay them off right away. We also spent a bit of money on a trip to Ohio for a wedding, and I used one of my credit cards for that as well; I get paid on a monthly basis, so I didn't have the cash on me. My FICO score must have been updated right at the peak of all of this, because it jumped from 722 all the way down to 631. When I got back home and got my paycheck, I went ahead and paid off most of what was spent. It was just updated again three days ago and it's gotten back up to 672- not great, but better. My question is this: This will be the last month I can make a large overpayment to my cards before I have to start paying a mortgage. I'll still be able to pay a good amount more than the minimum balance due, but this will be the last time I can pay four or five hundred dollars more than the minimum. I'd like to get my FICO score back up as high as I can, so I was wondering if I should put all the money towards a card that is close to being maxed out, put it all towards my other card that has a higher credit line that has 2/3rds of the balance already paid off, or split it between the two? I'm not about which has a higher interest rate, as neither of them will begin accruing interest until next July or August, before which time I'll have paid both of them off. I had thought that mainting a higher balance would make it appear that the card is "maxed out" and planned on paying half of that one off at once, but I didn't know if this affected the FICO score or not. Thanks in advance!