My fiancée just got her report back, her score was 632, she claimed bankruptcy 3 years in Jan and was able to purchase a car with a massive down payment so she's had a car payment for about year, only credit history she has. She's in a much much better financial situation then she was before. So my question is what can she do now? Which CC would probably accept her?

She also had a few collections that were in her bankruptcy but she just got letters stating the accounts have been satisfied. Who does she send them too? What's the next process for that?