Is lowering my credit cards below 50% the only thing I need to do to raise my credit score?

I have credit scores of 590(experian), 597(equifax), and 612(transunion). I have 13 accounts in good standing (5 of these are paid off accounts still listed) and 2 negative items on my reports. 1 of the negative is bankruptcy which was all medical bills and the other is I trouble with about 2-3 payments on one account over 30 days late. I kept in touch with the company because of an unexpected financial situation about 5 months ago. I am back on track of paying everything on time and wondered what else I need to do to raise my scores. Thank you! My 5 accounts are closed, they are just listed as $0 balance, how much the account was, installment type, and the terms of each agreement. When account opened and closed.

Public Comments

1. Inquiring minds want to know...
2. 50% isnt going to cut it--lower the balances to less than 25% of their credit limit. And allow the credit card companies a minimum of 30 days AFTER the end ot the month in which you paid down the cards to update your score. If you are not using the 5 paid in full accounts, then close them.
3. I found this site incredibly useful to fix my credit: http://www.myfico.com/Products/FICOKit/Description.aspx It is 50 bucks, but worth it. Aside from credit scores and detailed reports, it has a credit fixing kit, and a credit simulator (showing what happens to your credit by doing this thing or that) Also I bet you can just get Suze Orman's book instead...maybe from the library? Good luck!
4. Show them as paid in full and closed. Bankruptcy play a major factor on FICO score.. It is an indication to creditors of your unwillingness to make an effort to attempt to pay your own debt. If you are seeking credit you have to be worthy of it and show a willingness to pay. Banks and creditors make their money when people pay, not when they borrrow. Something to think about.