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  1. I have four credit card accounts that are maxed out. 3 are $12k each, 1 is $30k. I have gotten some money and so can make payment and reduce the balances. I do not have enough to get all accounts below 30% (Debt to Line), But can make some accounts under 30% and the rest below 50%. Which scenario improves my credit score the most? Make the three smaller accounts below 30 %, and the larger account below 50%. or Make the larger account below 30%, and the smaller accounts below 50% Please advise?