first thing .. Dont be bummed. Its a road that many have travelled. First read as many of the posts here as you can. There is tons of good info. Secong the want to verify that you are who you say you are. This is nothing to worry about give them a call and answer the id questions. stay positive. try cap one as many of us have used for our first post bk card . they have a credit steps program. read the post tons of good info that has helped me rebuild to a 625 equifax and a 680 fico in less than a year. Its possible
Starting Score: 625