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The good news is that utilization you can fix quickly with no history to hurt you. The new accounts will get better with time, so just hang in there.
I agree with cdtotten. The good news is that these are issues that can be corrected easily. Thankfully it is not issues like a late pay or other baddie that can spank you for 7 years. Get the utilizaation down and let the car loans age with good history and you would should be good.