You will need to work on all aspects of improving your scores. Usually any improvement in one can result in improvement in others, although there is no direct correlation. However, when you get within 6 months of applying for a MTG you want to visit the MTG forum to learn a few thinks that may help bump your MTG scores specifically for when the lender pulls your credit.
What is typically asked of people inquiring about improving scores is to list each account with UTL vs CL to include CC's and loans, age of accounts AoYA (age of youngest account), AAoA (average age of accounts), AoOA (age of oldest account), derogs (lates 30, 60 days, etc, collection accounts, bankruptcies, etc). You don't have to provide personal information like which CC or who your auto loan or personal loan is though, but it could be helpful because there are people here with specific knowledge about specific companies that may be helpful.
There are numerous people here who can help you with a plan to improve your scores based on your specific circumstances as each persons profile is different. But the basics of good credit behavior still stands true and will be part of that strategy: always pay accounts on time and reduce your utilization (UTL). These two factors hold the most weight when it comes to what makes up your scores.
Also note that each credit bureau may have different information and can be one of a few reasons why your scores for a specific model from each bureau may differ greatly. Note the difference in Jason's auto 9 score between EX and TU. 113 pt difference seems to indicate there is different information on each of these reports. Something that may be able to be disputed, removed and possible increase this score and others.
You both want to go through each bureau's report to verify it's accuracy.
There are guru's here that can provide more specific information regarding a game plan. Your BK is not that old and not sure about your derogs but you want to list when they occurred as penalties can lessen over time. Looks like nothing greater than 30 days. The older the late the harder it can hit you and the longer it can impact (hold back) your score potential. However, someone other than me can provide more information as to how to work with or around these derogs.
I was ready to discuss paying down those CC balances but it looks like you did this. Just reducing that large # of accounts reporting a balance will likely improve your MTG scores for now. But one thing to note is that there is a penalty for all revolvers (CC's) reporting $0. I know it sounds counter intuitive but it is what it is. Since credit reports are a snapshot of the time it is pulled, it would appear you are not using your credit, which you clearly are, but is somewhat frowned upon by the FICO algorithm Gods. But it also depends on when they report to the CB. From what I've gathered from these forums is that could easily cost you 20 pts or so. You always want at least one revolver report a balance, albeit $10 when your lenders report to the CB's monthly. You may still have time to buy a value meal on 1 card so it reports a balance. But even if that penalty happens, it will be reversed as soon as 1 card reports a balance. Easily fixed and no lasting affect.
I'm going to leave you to the guru's now because I'm not comfortable with providing a game plan and predicting score movement for others. Good luck!
