I agree with the above, work on the utilization, this will by far raise your score the quickest. However, this in only me, I'd pay in full HD, and Gas Card, and only let the bank issued Cap 1 report a balance (<8.99 of its' total tradeline if possible, if not, definitely under 28.99 %, these are thresholds for score bumps). Then I would work on the collection account, is the charge off with First P still? or have they handed it over to a collection agency that is reporting? Always try for a pay for delete, own that you let it fall wayside, but in honesty would like to rectify the situation and trying to get your life back on track. If they won't budge, it appears it may age off late fall of next year. Then I would goodwill saturation the late payments on auto loan that is closed. You can search the forums using the keywords Goodwill saturation. The key here is a persistant plead, to obtaining emails of CEOs if needed till they tire of your persistance and finally remove it. The Tidewater may be harder as it is the most recent. I'd save that one for last.
You can still use the gas card and HD if needed but always strive to pay in full by statement cut, not due date, so it will report a zero balance each month, it keeps the credit and payment history reporting. Letting only 1 card report a small balance, Never let all report 0 balances, as FICO will ding you for that.
