Want to buy a car

[Anonymous]

My score has gone from 627 to 669.  I have the following issues:

1.  Two very high credit cards (99% of limit)

2.  Five late payments on my car loan in the last two years

3.  Overdue account

In the next four weeks, I will have paid off both credit cards (paid down to $0 or $5.00, not closing accounts), have no late payments, and paid up my overdue account.  I'm wondering two things:

1.  How high and how fast might my score rise and (2) can I get approved to get another car loan?

[Anonymous]

utilization is part of your amounts owed, which counts as 30% of your score to go from 99% to less than 10% you can expect to see quite a bit of difference.

How did you get the first jump if you don't mind me asking?

edit: is the overdue a 30 day?

[Anonymous]

First jump came because I had a delingquent account showing that I cleared up.  Lates are 30 days.  I have had several car loans over the years and never missed a payment.  For some reason, my toyota loan has been a problem.