Its been long road, but finally I got there.
0 of 90+k available, 0 utilization
0 on car loan
Car pay off did not report yet, so might drop or go up a bit, read different stories about paying off.
Thank you all!
To those who think its not possible, I would say live a day at the time, pay on time and little more if you can.
Congratulations on your success! 👍