Agree with above, is that a FICO? If not, what are your FICO scores? What else is on your reports, any other baddies? Do you have a ton of IIB accounts? You say you use your cards and almost pay them off, when are you making the payment? Are they reporting to the CRA's before your payment?
Sorry for all the questions we just need much more info to try and help. Welcome to myFICO 
@Anonymous wrote:
Idk fico. Tu and eq both 491.
Almost everything came off my report after my bk and there is 1 utility bill that wasn't even mine, that I included, and a couple low balance cards hung around.
I have student loans but those have always been in good standing ... 10 years worth of good standing.
The balances on my cc reporting are after payments. It always shows 150-180 between the cards is being used.
Actually it looks like you are getting your information from Credit Karma. Is there where you obtained your scores? If so, those are not FICO scoresm those are Vantage scores. Vantage scores are nothing like FICO scores and it is probable that your actual FICO scores are higher. Do not use VANTAGE scores for your measure of improvements. I know my Credit Karma scores are at least 100 points lower than my FICO scores. Don't use them. It's depressing. 
@Anonymous wrote:
I went ahead and spent $20 for my fico score. It's 587. Wow. Much better. Not as depressing.
^^^ Yes! Much better place to start.
Look at the Rebuilding Your Credit subforum for tips on increasing your score. One of the things that is very important is paying on time each and every month as that is 35% of your score. Plus, another 30% of your score is the utilization of your revovlving credit. Ideally you want to be using less than 9% of one of your credit limits and have the other cards at zero. This will optimize your scores. Here is a graphic to give you an idea of the broad strokes for the score calculations:
@StartingOver10 wrote:
@Anonymous wrote:
Idk fico. Tu and eq both 491.
Almost everything came off my report after my bk and there is 1 utility bill that wasn't even mine, that I included, and a couple low balance cards hung around.
I have student loans but those have always been in good standing ... 10 years worth of good standing.
The balances on my cc reporting are after payments. It always shows 150-180 between the cards is being used.Actually it looks like you are getting your information from Credit Karma. Is there where you obtained your scores? If so, those are not FICO scoresm those are Vantage scores. Vantage scores are nothing like FICO scores and it is probable that your actual FICO scores are higher. Do not use VANTAGE scores for your measure of improvements. I know my Credit Karma scores are at least 100 points lower than my FICO scores. Don't use them. It's depressing.
Odd, my Vantage Scores are always higher than my FICO scores.
@Anonymous wrote:
@StartingOver10 wrote:
@Anonymous wrote:
Idk fico. Tu and eq both 491.
Almost everything came off my report after my bk and there is 1 utility bill that wasn't even mine, that I included, and a couple low balance cards hung around.
I have student loans but those have always been in good standing ... 10 years worth of good standing.
The balances on my cc reporting are after payments. It always shows 150-180 between the cards is being used.Actually it looks like you are getting your information from Credit Karma. Is there where you obtained your scores? If so, those are not FICO scoresm those are Vantage scores. Vantage scores are nothing like FICO scores and it is probable that your actual FICO scores are higher. Do not use VANTAGE scores for your measure of improvements. I know my Credit Karma scores are at least 100 points lower than my FICO scores. Don't use them. It's depressing.
Odd, my Vantage Scores are always higher than my FICO scores.
My vantage scores are always lower as well. We will never know 