I had a rough year last year and had a gap in employment (while also attending school full time). I also had other roommate issues (not paying rent, etc. that made times a little more trying for me). Anyway, I have a few credit cards that are not maxed out, but are definitely much closer to the max than they should be. I also have one card that was closed (does this mean it’s utilization is 100%? That might answer my question lol). I have a few hundred dollars right now that I want to go towards my cards and hopefully bring my credit up a few scores. Should I focus on bringing my credit utilization percentages down on my other cards that I owe more on by making a large payment, or should I pay off the closed account before I focus on the utilization of open accounts?