Rebuilding Credit After Bankruptcy

[SCYD]

Hello Everyone.

I have been reading through different post here for a couple of months before I finally got the courage to post my scenario.

I filed Bankruptcy Oct 2010 after my husband underwent a year of chemo and we were left with high medical/credit card bill and multiple properties.  My main home, we re-affirmed and later in Nov 2011 modified the mortgage and reduced the mortgage payment.

Mortgage payment has been made on timely since Oct 2010, with the exception of Nov 2011 through Jan 2012 when the modification was taking place.  However, mortgage company refuses to report payment history or the fact that the mortgage wsa re-affirmed.

I have the following credit cards:

Capital One (Platinum) $1,750.00 Credit Limit - 

$19.00 annual fee, upgraded this month (I think it's an upgrade) to Quicksilver One

Recently received a $500.00 Credit limit after calling

Opened in  2011

Capital One Total Rewards Card $1,250.00 Credit Limit -

$39.00 annual Fee - Recenlty received a $500.00 credit limit after calling

Opened in 2011

Target - $200.00 Opened 08/13 

JC Penney - $1,500.00 Credit limit  Opened 08/13

Chevron -$600.00 Opened 04/14

Credit Union Visa $2,500.00 Opened 04/14

Car Loan with Credit Union opened 04/14 for $13,000.00 (refi)

Total utility on credit cards is about 10%

Total inquiries on Equifax is 12 of which:

1 is for this year (2014)

3 are falling off in a couple of months

2 are duplicates from BB&T bank in dispute at the moment

the rest are from 2013 (June - October)

Equifax score according to Credit Union on 04/14 was 630

Transunion 677 (I think its a Fako Score)

Experian 673 (I think it's a Fako Score)

I like to get my scores in the 700's. Any Advise?

Sorry for the long post.

[Shogun]

How many cards have a balance?  Pay all of them to $0 but 1 and have it report less than 10%.  Garden what you have.

[SCYD]

Capital One with $1,750.00 CL has a zero balance (will report on 20th of this month)

Capital One with $1,250.00 CL has a zero balance (already reporting)

JC Penney has an $85.00 balance (showing $220.00 now) (reports on the 30th of this month)

Chevron has a $450.00 balance (reporting now at $329.00) will show zero balance when it reports on the 20th (hubby uses it for business)

Target has a $23.00 balance (reporting a $120.00) (will report new balance on 20th of this month

Credit Union not reporting yet until next month (new card) will report a balance of $2,100.00 (balance transfer combination of my cards and my husbands) Payment of $1,000.00 will be made immediately.

[ando35]

Do GW letters, disputs and etc. Try to knock off some of the most recent baddies. 

[SCYD]

No baddies, except bankruptcy almost 4 years old.