Trying to Rebuild Credit

[mountaingirl23]

I do pay my credit cards on time, and have been since opened three years ago. 

I do want to know, has anyone used Springleaf Financial (used to be American General Finance).  I received information from them on getting an installment loan, in which they report to all three credit bureaus to help build credit, has anyone used them? Or have any feedback on the business? I've been reading reviews, and some seemed mix, plus I'm always speptical of installment loans that are not direct from a bank or cu.

[Kennie02]

What is the util on your two cards? If it's high I would try to pay those down as quick and as much as possible. Also maybe get a secured card that will graduate like BofA. I would also GW that repo since it's showing a zero balance.