<prompt> Human: I need to replace my car by March of next year.I missed 3 payments in 2017 but other than that Ive made them on time. My score is currently 607 but fluctuates between the high 500s.My cards are 850850 4 years old425500 3 years old300350 2 years old250300 1 month old200200 1 month old.Total limit of 2200. No other loans etc.I want to start paying these down so that by march my score can at least be near 700 but I may have to move by Jan 1st.I was going to try and get them all down to 30 but is there a better approach? I only bring in about 2000 a month and will have to save to move by Jan 1st. Will 50-60 still help my score? Its much better than being maxed out right?Basically Im asking, because money is tight, what percentage is best to raise my score? And is it total utilization or is it based on each card?Any help is appreciated.  <response>: Basically Im asking, because money is tightThe reason money is tight is because you only bring in about 2000 a month and you have debt on 3 credit cards and apparently are thinking about borrowing even more money to purchase a car. 