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If the bankruptcy is holding your score from increasing I would just wait till it drop from your tradeline, other wise you can get that off from your files. If you have 2-3 credit card I would add any more cards ( if you have 1 card card I would add 2 more)...Adding more Revolving in your tradeline will help you increase the score over time. If you use and charge 3 CC, paid off 2 card and leave 1 card with 9% or less on the balance after the due date and before cut off statment. Over time this will help your score. It doesnt matter whats your limit or credit line you have, or how much you use or charge your CC, it only matter if you paid it or not.