I'm sorry to hear about your past relationship, but now it's time to rebuild your financial relationship.  Definitely send the PFD,  keep current on your payments and pay that util down, it's way too high.  Now with those lates, it's time to get the GW train rolling.   Send those out.  Check your CR for anything else, and let's see where that gets you.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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