A mixture of credit will increase your credit score. May want to consider a small secured loan from a bank or a car loan.
Hopefully this post will wake manda8702 up.
Unfortunately, they posted this a few years back and evidently haven't been back.
Let's hope they got those balances paid down - that would have yielded a decent score increase.
Top that off with only one card reporting <9% and it would have turned out real pretty.
After getting the cc's squared away, they might have wanted to tweak with an installment - if they needed one.