I know that lowering your charge card balances will help your credit score. By what percent is effective AND is it OK to reduce your overall cc debt by that percent, or should it be on each card? Id like to pay off the highest interest rate cards while keeping the lowest interest rate cards near max, but not if it is going to greatly effect my score.

I'm pretty sure your credit score is impacted by something called a 'credit utilization ratio' which takes into account your total c/c debt over your total credit available. Having a ratio of < 35% is desirable (example: $350 credit owed/%$1,000 total credit limit). If there's not such a big spread between your highest to lowest I rates, perhaps you should throw money at all the accounts, but there is value in targeting the highest rates first.

here's an article that might help, from Kiplingers Personal Finance Boost Your Score - Kiplinger.com (http://www.kiplinger.com/magazine/archives/2006/03/credit.html)

Good luck!