What Now? How to get higher score?

[Anonymous]

I have been discharged from bankruptcy since Dec 2014. Since then I have obtained: Credit one: 600 credit limit 0 balance Merrick bank: 700 credit limit 0 balance CapOne Platinum 1500 credit limit 565 balance CapOne Quiksilver 2500 credit limit 0 balance Discover IT 2400 credit limit 1072 balance Target 300 credit limit 0 balance Kohls 300 credit limit 0 balance Private Credit Builder loan 1000 credit limit 483 balance (85 a month) Badcock Furniture 1800 credit limit, 980 balance (95 a month) My scores are 643, 619,619 I have never been late since I was discharged. I usually report zero-30% balances on each card, mostly zero balances though. How can I get my scores higher than this?

[Anonymous]

Get ALL your cards to $0 - except ONE.  Let one card report a balance between 5-9% (then pay before due date to avoid interest).  

You only want ONE card to report a balance for the best jump in score - and that one balance should be less than 10%