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Hi, my name is Mark. I will be happy to help you with your questions. Let me get a little more information from you. How long have you had the auto loans?
From a debt ratio standpoint it would help to pay off the car loans. You had time to develop a payment history on the loans. Another factor that determines your credit score is how you are using credit. So if your credit card accounts are near there limits it is considered a negative.
If you pay off the car loans it will probably free up some cash flow to pay towards the small credit cards.
Credit utilization is 30% of your score. So paying the small balances probably would have a larger impact.
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Do you have money to do both? Perhaps pay one of the car loans and apply the remaining money to the credit cards?
Of course, from a cash flow perspective you are better off paying the loans off freeing up the $980 a month.