<prompt> Human: I just downloaded Mint, and it told me I was utilizing 71 of my credit, and I only need to be using 30. What does this mean? How do I do this?My credit cards are almost maxed out, but I pay above the minimum amount due each month.Also- I just paid off a medical bill, but my credit score didnt go up. What gives?! My credit is shit-wrecked, yall. halpAssistant: Dont worry about utilization unless youre about to apply for more credit, loan, or job requiring credit check.Keep paying off your credit card debt.Late or missed payments take up to 7 years to be removed from your credit report.Human: Ill be buying a car in one year, so Im trying to clean my credit up before then. I seriously doubt Ill even qualify. Right now my credit is 520 equifax 615 transunionAssistant: Utilization only matters 1 or 2 months before the hard inquiry is required.Whats keeping your credit low?Human: I honestly have no clue. Im in grad school now, so my student loans are deferred. I did file bankruptcy in 2013... On credit karma I have very poor marks on nearly every credit factor. I dont know what to do, I cant afford to pay these bills off  <response>: Whats keeping your credit low? I honestly have no clue. I did file bankruptcy in 2013 if you wiped the slate clean less than 3 years ago and are already back into a debt hole, you need to have some serious self-reflection on spending budgeting habits. 