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 [...]

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