utilization is at 85 % you need to bring them down to see your score increase and get better rate and better Loan amount.

pay down to 30 % is good. when your used 85% of your total credit limit that is make you become high risk to lender. 

base on your income alone 5k7 for month

How much you total credit limit?

how much did you used?

do you have another open auto loan?

do you have open mortgage?

any another bill?

......