1) Whenever a person starts with I've been trying for YEARS...it's obvious there's a disconnect between what the client 'feels' they understand and the reality of the situation.
Not a criticism, just a 'hey I get it, let's dig for the issue for correct the missing Link's
2) As mentioned that 95% maxed out 'I'm drowning and can't manage nor PAY' this account QS account is a death anchor to the RISK scoring that is of course credit scoring!
Are these 'family' accounts, are you involved in the debt creation and debt pay back?
If so, again budgeting, debt/household finance management requires attention
Since you're paying bills and have been paying bills, you may as well learn how to properly manipulate your efforts for browning points on the credit profile.
For instance, after YEARS there is no reason for you not to have at least added a few secured TLs which would have added enough history to have secured you unsecured accounts that might be a year or two themselves.by now
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Example of learning the game
Having $300 CL secured CC with a $30 balance or a 10% debt utilization is WAY better than allowing a 97% debt utilization TL be representative of how RISKY it would be to give that profile MORE
Remember on-time payments are all created equal it's either paid on-time or not = 35%
The next most important and most controllable by YOU aspect of the scoring model is what % of debt load do you ALLOW to be reported
30% of the score is in your hands at all times, you must lean to manipulate this number or it KILLS your score...once you understand this it's easier to move forward understanding the rules, like any game.
Many times a huge part of the issue is ppl are issued checker pieces when the game is Chess