You're currently at ~80% utilization with several maxed out lines. Get the maxed out lines reduced and get your utilization down. 30% is the commonly recommended max and 10% is generally regarded as ideal. Your utilization is what's holding your scores down and 'll see your scores improve as you hit certain utilization milestones.
zrussell wrote:My Credit score is really weird according to Discover Credit Card Tracker (which gives me my 3 bureau reports, I have a score of 673 across all bureaus). According to Credit Karma I have a 590 score. I honestly don't know which one to believe.
They're all FAKO scores and don't really mean much. FICO scores are only available directly from FICO. FAKO's are handy for monitoring general trends but if you want to know your FICO score then you need to get your FICO score. However, at this point I wouldn't worry about the score as you have quite a bit of work ahead of you before you need to worry about applying for anything.
zrussell wrote:I have no derogatory marks on my report (late payments, etc..) but I do have something like 30 inquiries, which is the only thing that I feel is permanently affecting my score (along with high usage).
Inquiries do not permanently affect your score. An inquiry's effect mostly falls off after a year and an inquiry will fall off after 2. Don't apply for anything until you get your utilization down. Even if you get approved you won't get good credit limits or terms.
zrussell wrote:I would essentially know the best thing I can do for my credit at this point. Should I close some cards?
Absolutely not. You're already at 80%. Closing accounts will make your utilization even worse. You can do the math to see for yourself. If you closed the Boscvo's card you utilization would increase to ~85%.
Drop your utilization and do not use lines as you pay them down.