What helps the score out more? Paying down balances on accounts that are closed with a zero credit limit OR Accounts that are open with a credit limit and about 50 percent utilization. Thanks!
Personally, I would focus on the highest aprs, but if you're concerned more with your score, I would pay off the ones that a reporting a zero limit. With a zero limit, you look like you are over your limit by whatever your balance is. This throughs your ratios off.
Here is a thread on this subject: http://consumers.creditnet.com/stra...&highlight=zero++credit+limit++hurt#post66216
