Hello there, I have a question regarding managing my credit score. Here's the deal. Last time I checked my score was something of 615, I checked it to get a loan which I got it. The score I got was because of the fact that I was almost maxing out my credit card limit. I have 3 cc, I recently totally paid off the one with about $3500 which was not reported to the scoring bureau yet, but I still have about $3500 on the other 2. Other 2 comes with no interest/no payment option until sometime in future. I have been thinking of buying a new TV set, which would cost about $2500, but I am seriously thinking about paying off credit cards first and buy the TV with saved money, not with credit card. Since I will not be checking back my score any time soon, for a loan, etc, I was thinking of buying TV with recently paid off cc then pay off the balance on all 3. In time, I will bring down the balance to below 25% of my limit, thus increase my score, but what do you think I should do now?

Check out the Debt Snowball..
http://www.daveramsey.com/

Pay off all your credit cards first before you buy anything else on them. Credit cards are to be paid off in full after you purchase the product. Only use credit cards for major purchases and when you get the bill - PAY IN FULL!
Don't let the credit card ruin your financial future. Do you really need that $2500 TV right now? The answer is NO, get your debt down to zero first.

Good luck!

PAY IT OFF!

Don't get caught up in the Dave Ramsey craze, but definitely pay off that damn card. You need to attack those things before you dig a hole that more than half of America is stuck in right now. I have a great T.V. and I love it dearly, with good reason- I don't have to make payments on it! Trust me, work hard and pay it off and all that extra money you are wasting on payments will buy much more T.V. than your credit card will today. Suffer for a little while, and you will get a better deal, and you won't believe how much better H.D. looks debt free!