What do you recommend I do to optimize my score and get them in the 600s asap

[Anonymous]

I got four cards with a 1250 limit across all cards I got a credit none card a.k.a credit one with a 450 cl and I got a fp with a 400 limit and I got a secured ACU credit card with a 100 cl then I got a Kohls store card with a 300 cl and I got three unsecured loans I got one with covington credit with a 319 bal then I got one at credit crystal with a 180 bal and one with self lender with a 300 balance ive never been late on any these accounts ive had these accounts for 4 to 15 months my aaoa is 3.9 years and my oldest is 6.9 years any suggestions on what to do to get my credit score in the 600s quickly 

 My starting scores 4/18: 465 ex 495 tu and Equifax 459

My scores now 5/20: ex 577 tu 582 eq 589

[AllZero]

What are your reported individual and aggregate utilization ratio?

Look into AZEO Technique. All Zero Except One card reporting a small balance e.g. $5-$10. Use a bank card. Do not use a store card.

Get your reported CC aggregate utility at or below 8.9% for full FICO points optimization.

You might want to address any derogatory you have; delinquency, charge off, collection, etc. If they are updating monthly, it'll keep your scores suppressed.

[Anonymous]

You only need one loan. I'd pay off the two that will complete first and keep the one with the most payments left. Normally I would say you don't need a secured card when you have three unsecured cards, and I don't know the bank that holds your secured card, but I would ditch the First Premier card as soon as possible and keep the other three. As @AllZero said, what are the balances on your cards? 

Pay off FP and close it. Pay off the secured and the Kohl’s, and pay CreditOne down to $10, let that report, then pay it off. Each month, use the cards as you see fit but be sure to rinse and repeat each month - CreditOne at $10, the other two at zero. This is AZEO, all zero except one.

Do that, clean up your derogs as stated, don't apply for anything for a year, and you'll see good score gains.

[Anonymous]

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@Anonymous wrote:

I got four cards with a 1250 limit across all cards I got a credit none card a.k.a credit one with a 450 cl and I got a fp with a 400 limit and I got a secured ACU credit card with a 100 cl then I got a Kohls store card with a 300 cl and I got three unsecured loans I got one with covington credit with a 319 bal then I got one at credit crystal with a 180 bal and one with self lender with a 300 balance ive never been late on any these accounts ive had these accounts for 4 to 15 months my aaoa is 3.9 years and my oldest is 6.9 years any suggestions on what to do to get my credit score in the 600s quickly 

 My starting scores 4/18: 465 ex 495 tu and Equifax 459

My scores now 5/20: ex 577 tu 582 eq 589

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Just being in the 600s is not specific enough - we need to be at 670 FICO for a "good" rating.  As noted by another contributor here, we need to know your utilization.  But even getting optimal utililization, you'll want to make sure there are no baddies that could negate an increase from lowering your balances.  Good luck!