Credit utilization is your balances vs. your credit limits. If your balances are over 30% of your credit limits, you may be negatively impacting your scores. Lowering your balances to 30% will help maintain your scores while lowering them to <15% will help you increase your scores each month.

If a friend of family member with credit cards that have

good utilization and longevity is willing to add you as

an authorized user, you may experience a credit boost

when they appear on your credit.

If you have no choice and have to purchase a car with

bad credit, spend the next year dutifully paying down

your utilization rates, pay EVERY account on time

EVERY time and take care of your collection balances.

After 12 months, you should have experienced enough

of a credit score increase and you can refinance your

high interest loan.

Good luck!