Help me understand next steps in fixing my credit

[Anonymous]

I have been working hard at rebuilding my credit. I paid a charge off a few months back and opened a secured CC through WF a few moths ago. I just got a secured card through Cap1 this week. What are the next steps? Will I ever qualify for a non secured card? A bit of history...I have a chapter 7 bankruptcy due to fall off next month and a fairly recent judgement that has been satisfied last year. I have a charge off that I paid back in Feb of this year. Another charge off that I got from Dell 6 years old that is not paid for. I have a few medical collections that I have been making payments on. I have a auto loan that is current with no lates. I have $70k in student loans in deferment. I have a student loan with ACS that is current and has been for over 8 months. However, I have a few 120 days late on that loan because they refused to defer it at the time I needed them too. Is there any hope that I get anywhere? I feel like I have a huge mess on my hands and that I will never get any kind of credit. My current fico scores are: 617, 613, 624

[AutoBot]

Have you gone through the CAP1 Pre Qualification site? I imagine you getting a CAP1 Platinum and/or CAP1 QS1 card with those scores, assuming no derogatories with CAP1 in the last 12 months.

[Anonymous]

I have and it gives me a message that they couldn't find one but based on my answers to try the ones you listed.

[AutoBot]

If it were me, I would apply for CAP1 Platinum. If approved, I would immediately apply for CAP1 QS1.

[Anonymous]

My preference would be applying for the QS1 first. Yes it has a $39 AF but the rewards can more than pay for it depending on how much you use the card. Plus it's usually 0% for 9 months. But everyone has different ideas about what they want in a card. Make sure to app for the second card immediately after the first whichever way you go (for one HP), assuming you decide to go with Cap1 of course.