Unfortunately the scores from CreditKarma are not FICO scores and they tend to be a little higher. The report info is generally OK, but the scores shouldn't be trusted for that reason. I asked about Experian because we can't get an EX FICO anymore, though getting your EQ FICO report is a great first step.
I'd look at that report, especially on the 2nd and 3rd pages. It'll list the positive and negative items that helps or hurts the most. Use that as a guide in improving your scores. Also look at the Accounts page. There's a column with a red flag at the top. Any account that shows a red flag is a negative drain, or rather has an aspect of that TL that has a negative drain on your FICO score.
New accounts tend to hurt your score. I'd stop apping and let them age. Adding any more will likely result in a significant loss rather than an increase. Your CJ card won't report on any CR, and am not sure about Jared or Kays. If CC utilization is in your list of factors, get all of your CCs to report $0 except for one and get that one to report a balance of under 9% of the CL. If your util improves a good deal, you could see a very significant increase. BTW, increasing your CLs will not help your FICO score. FICO scores how you use the balance in relation to the CL as opposed to the CL itself. Someone with a combined $500 in CLs has equal footing as someone with $50,000 in CLs.
If you have any bad accounts in that Accounts page, then read over in the REbuilding Your Credit board and you'll see ways of improving your credit by asking for help from your existing OCs/CAs.
Aside from util and baddies, time is important. Give it at least the next year or two without applying and you'll see your scores reach well into the 600s, I bet.
