+1 to what llecs said. Also spend some time in the Rebuilding area of the forum, there is a lot of advice and examples of how people fixed their credit.
What's in my wallet: Cap1 MC $5K NFCU Sig Visa $20k Amex Zync NPSL Delta Gold $6k BCE $2k Citi Simplicity $5450 Prioriity Select Visa 5.9K
Starting Score: 5/2010 550-ish
Current Score: 4/30/2013 TU 800 4/30/2013 EQ 793 1/04/2013 EX(USAA) 779
Goal Score: 800
