Credit Advice

When lenders or Banks pull your credit report they will know the card balance and limit and of course if you have any 30 day lates.  Don't worry about the past because they do not score your past.  Good Luck.

read your credt reports... all 3 bureaus make note of your payment history, any 30/60/90 day lates, the current status of every line, what your high balance was, and what your last payment was... now do they care that you were at 1200 on your visa card that only has a 1500 limit way back in june of 2007? not really... they care a lot more about the fact you made the last 36 payments on time... hope this helped,  

Your credit report will list a 'high balance' for each of your cards.  This does not impact your score, but shows that you use your credit.  This can be seen as you had leveraged your credit, and your current balance shows you can control your credit.  So, in all, many lenders would see that as a positive, not a negative.

once my debts are paid off, will my score go back up??

yes each time u make a payment and its reported your score will go up