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how to use my credit cards
I'm rebuilding credit after bankruptcy (3 yrs ago) I have 2 cap one accounts (limit $750 each) Kohls charge ($400 limit. I show some activity every couple of months) credit union visa ($5000 limit) I am using one of the Capital one's for daily expenses, like grocery shopping & pay it off when statement comes, or before depends on payday. I'm planning to use the credit union card for auto pay of utilities and pay that off monthly. Is this a good thing to do or will CC companies look and say - oh, she needs to use this card to eat and keep her electric on. I do also have a car loan $30,000.

Currently, my credit score is 685, 23% utilization...have 17 inquiries thanks to a car dealer shot gunning for the best rate And also have the public record of bankruptcy.

What advice can you give me to raise my score. I'm hoping to buy a house next year. Is there any way to get all of those inquiries off my record? Thanks

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