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New accounts will usually drop your score. It'll slowly rebound over the next year. Installment utilization is such a minor part in scoring.
Utilization is HUGE per scoring. If these 3 are paid down, you'll see large gains. Ideally, you'd want 2 of them to report $0 with the remaining to report less than 9%. 3% is just fine. If these 3 consist of a good mix (e.g. revolving and a charge) then I'd venture a guess of 100-120 points gained if they report exactly $0, $0, and 3%. If these are all revolving or all charge, then I'd lower my estimate and say 90-110. And this is assuming nothing else changes to your reports between now and then.
Your cards are very much maxed. Because they are maxed, FICO is dinging you extra. I accidentally let a CC report a huge balance beyond the CL. There was an extra 20 point or so ding for doing that.
UTIL > 100% is crushing. Doing your best to get that down ASAP will work wonders for your scores!
The car loan is a plus. Within six months you will have your three point and more back!
When trying to optimize your score in the segment called "Amounts Owed" (30% of FICO score) paying your utilization down to 3% is correct but the other part of that is to not let a balance due to be reported on more than 50% of all your accts. So, in your case it looks like you have 1 installment acct. and 3 revolving accts. for a total of 4. The car loan will report a balance due until it's paid off so thats one. Which means you can only have a balance due on one of your credit cards, if you want to optimize your score in that segment. The other thing you can do is add a mortgage which as you said is your goal so I think you're doing all the right things. Now you just have to have patience and let all accts, age.
Good Luck
Of course that reporting mortgage will count as a TL with a balance effecting the number of other accounts that can report balances.
Optimal credit utilization for FICO scoring purposes is:
Anyway you get there is fair game. You only need have one revolving TL report a balance.
Having a maxed out card is a substantial hit on FICO. Going over 100% is also I violation of the terms of your account with the OC, and will probably also result in increased interest rates, and may lead to a drop in your credit limit, and possibly cancellation of the account.
Never max a CC.