Carrying these balances are hurting your score a little bit each:
USAA Visa: $250/$500 (50.0%)
Cap1 Plat: $350/$750 (46.7%)
Amazon: $900/$1500 (60%)
Personal loan of $1200 ($800 left to payoff) (66.7%)
What you want to do with those cards is pay them down as far as you can before statement cuts, preferably to zero. You do want one card reporting a small balance every month that isn't $0, but isn't greater than 8.9% of the limit. This is called the AZEO Method and it gets you as much as a 20 point FICO8 boost versus all cards reporting $0.
The personal loan helps just by being open and active, but getting it below 8.9% left to pay ($106) would actually boost your score, but once you pay it to $0 and it closes, it HURTS your score if you have no other active installment loan reporting (student, mortgage, auto).
So pay all your cards to $0 and let $5 report one any one card at statement cut (pay it to $0 after it reports). Pay your installment loan down to $106 left to pay and you will have the maximum FICO8 you can have right now. Time your next 3B FICO8 pull to after everything reports, and report back. From that point we can tell you if you should garden or what you might qualify for.
While nothing is guaranteed in life, especially not FICO8 forecasts, I wouldn't be surprised if your FICO8s went up 20 or even 40 points by managing your balances better. My scores dropped almost 60 points in September because cards I never report a balance on actually saw balances (two maxed out) because I didn't have internet for 4 days during Irma and couldn't get my PIF in. 60 point drop!
