30ross30, Your perseverance is honorable. Good job working with your current cards and letting them age. I too was once in your position, though I didn't go through BK(s). My credit scores were in the high 400's, in August 2006, after I ran up much credit card debt, and some cards being charged off as bad debt. Since then I have been able to get most of the negative marks deleted off my credit reports. My scores are now in the upper mid 600's, and has really helped. Good luck and do continue making positive credit decisions..