text: I have been reading so much about credit.  On many documents that I have read it's good that you have the balance spread out on all your credit cards.  The Equity Loan that you would get will be at a higher interest rate, so the best thing that I would probably suggest is to possibly  find a way to increase your credit score to possibly 720 or higher and then refi your home loan, because you will be able to get a better interest rate than consider paying off those balances with a lower interest rate.  \nP.S if you need more info on credit, I can defenitely give you some info..