You have good score and can certainly be called above average. In my opinion, the best approach would be to payoff 2 or 3 highest balances and then go for 10-15% of down payment. With this score, you can have finance at much competitive rate. Putting some equity in used car will also better your score.
I hope this helps..
IT is advisable to pay off the cards with highest % as it will save the interest outgo in the long term..
Thank you for all your help.
You are welcome.. Hope to assist you in future too..