Lowering cc util will help your score the most!
You should have leased the car! In addition, you wayyyyyy overpaid.
Now another option is finding another sucker to overpay on the car like you did; I know that's bad karma, but biz is biz, and Capitalism is built on it ;-) best!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
