Your 1st main hurdle....is to clear up anything inaccurate on your credit reports...get this done and you should be approved for some credit cards and starting bouncing back. This topic didn't directly relate to me...but was VERY helpful. Start there...it will be a journey...as I'm just starting to see daylight myself...but a whole lot of it!
So good luck and keep your chin up!
Hang In There. It will get better. Definately comb through those CR's for any errors. A good place to start. I would then suggest going to your local CU, if you don't already have an account, and open up a Shared Secured Savings Loan. No HP at all. It is a great rebuilding tool.
Going to need to work on getting that UTI down. How many CC's with balances.
I really wish there were errors on there but unfortunately everything is all facts. My utilization is at 110%. I feel like I'm sinking further and further.
^^^This is the issue. Pay off your cc's - all of them except for one less than 9% of the credit line. Then you will have a much better score and will be able to "see where you are going".
Anytime your balances exceed your credit limits you will be dinged especially hard. Having balances exceed limits after a recent Bk may even hit you harder (it looks like it).
What are your limits and your current balances? You may need to go through the snowball method of payoff to get back in financial shape.