The people who can help you best are in the Rebuilding forum. Would you like me to ask a moderator to move this discussion thread there?
The folks who do read your thread will help you best if you give them some more information. Here is the stuff that is most important:
List all your cards. Do it like this:
Card 1. Balance = ____ Credit Limit = ____
Card 2. Balance = ____ Credit Limit = ____
Card 3. Balance = ____ Credit Limit = ____
What matters is the balance as it appears on your report. Also in this section list any revolving accounts that might not strike you as credit cards: store cards, charge cards, LOCs, etc. Loans are not revolving. If a card is closed but still has a balance, be sure to list it here. If it is closed with a balance of $0, no need to list it.
List all your "derogs". That's stuff like late payments, collections, charge-offs, bankruptcies, liens, public records, judgments, etc. List each derog and the date that it happened. If it is a collection, be sure to include the amount of the collection. If multiple derogs are all related to the same account, indicate that as well.
Tell us whether you have any special credit needs in the next few years. If you have them, indicate what they are and when they might happen. Example: want to buy a car in June 2018.