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You kinda answered you own question in the end. "There is nothing else I can do, right?" You got it. Since you have a auto loan. More loans didn't or wont do much good. Those are hits to your scores you could have avioded. But you probably didnt know that. You can pay them down and off. Anything that has a fee you can shut down. You have more than enough for now. Stop apping for at least a year and let some of the inq's fall off FICO. By your statement too many inq's. Time heals all wounds. You got to slow down and let things age and heal for now. The time it took to go downhill. It will take twice the time to back uphill. Good Luck and welcome to the forums.