No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Nope. Just that 30 day late with Ford.
I would suggest that 77% utilization is "poor" and that anything other than perfect payment history is also "poor" when it comes to FICO scoring. Getting rid of the 30 day late and taking that 77% utilization down to the ideal range combined would raise scores 100+ points.
If you only have that lone 30 day late, your chances of removal are very high. Is the account still open or closed?