Hello All
I was debating between filing banckruptcy or rebuilding. I pulled my reported and opted to rebuild my credit. I thought it would be best for me to work with what I have and try to add fresh credit, so I went in search of new credit. About 2 years ago my scores were in the 400s, but when I pulled my report I noticed that my scores were mid 500s. Naive me thought "not bad, I can work with this". Low and behold I did get approved for some store cards, so this boosted my confidence further.
Long story short, my score is now ~ 570. But I came to a realization that this isn't enough. I shouldn't try to apply for more credit cards until I fix what I currently have. Trying to add new credit to stinking old credit is like adding perfume or cologne without taking a bath!
So I'm going to take a step back and try to work on my derogatory remarks that are on my report. It's the only way that I would truly improve my score and get approved for prime credit cards.
Time to garden and watch my credit bloom!
Good luck in your journey 
