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Reconsider letters

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Reconsider letters

I have gotten my scores up and I notice that on the credit reports it states that you have the right to request the credit agencies to resend you credit file to the people that you have applied to with the last 6 mths.  I have had several changes and deletion to my credit reports over the months.  BK12/06 D/C3/07 SCORE  as 5/07 450 Equifax current score 613.  I have one new account that have no activities and a Capital One-mc not reporting yet and it was open 1/08.
I join Myfico 11/07 with a 528 Equifax score.  I want to say thank you everyone!
 
 
 
 
 
EQ: 450 5/07, 11/07 528,   3/5/08 613
 
GOAL Sept 08 660  What do anyone suggest to get the less than 50 points?  I have been using my credit cards high useage but PFB each month.  I try to useage every month to show activity, should I not use or lower my utilization percentage?
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