More Info is always good

Found out that my next goal now that I'm under 120,000 should be to be under 5,000 in credit card debt, and then after that should be to pay off to be under 50% of total credit limit, then two paths emerge:

A. pay down to under 35% of each
B. pay off and discontinue use except once a year and then pay off one at a time

because both affect credit scoring, but of course it's an extremely complicated process and they won't tell you which would be better for you. Because right now I have two factors for TransUnion to have me under 700 on my score and that's multiple accounts with balances, and high proportion of balances

so decisions decisions