Lowering your ratios should be relatively easy. Keep your balance on your credit cards on or below 15% for better use credit scoring. From what is known on credit scoring and 85% cushion will provide maximum credit scoring for a credit card. Excuse me for a credit card. Another way to approach this instead of keeping the balance low, call the credit card company and asked to have the limit raised. It sounds counterproductive, especially if you can't trust yourself to not borrow up to the limit.

Otherwise, raising the limit lowers your credit utilization.