Should I balance utilization on all cards to improve score?

[Infallibl3]

Hello, I would like some advice about whether I should transfer some cc balances around so that all of my cards have the same utilization vs some high/low. I am going to apply for a new line of credit soon (Either Care Credit or Citi Simplicity) to pay for a needed dental procedure that is $4000, and I want to have the highest score possible right now. The interest on the balances is of no concern to me right now, only possibly improving my score in the short term. Some of my balances are near maxed, but a couple are low. Would it help or hurt my score to even them all out to 58% utilization? I appreciate any advice and input in advance.

FAKO score: 705
No derogatory/late
No inquiries
Card 1: 999/3800 26%
Card 2: 1844/2200 83%
Card 3: 2383/2800 85%
Card 4: 2360/2500 94%
Card 5: 620/2700 22%
Total Utilization: 58%

[stroked89coupe]

Not sure it would matter THAT much unless the balances were able to be put on a single card.

[Infallibl3]

I guess I'm mostly concerned the 3 balances in the 80-90% would instantly disqualify me for a new line.

[shifter]

And you'd be correct.

 

But moving stuff around with that profile isn't going to help you at all.

 

You need to pay those down to improve your score and not so you can load on another 4k in debt.

[shifter]

And really don't focus on score. It doesn't matter what your score actually is or where the balances actually are, no UW is going to give you credit with that much util.

[GR8WhiTE]

Typically that wouldn't be a bad idea. But the limits you currently have don't give you any room to make those type of moves. Like shifter said, "pay them down". No other choice.