In 2011 I filed a Chapter 13 BK (I'll spare the sob story since I don't want to get depressed). A year later - after making prompt payments to the trustee, I was furloughed from work due to the economic downtown and no longer met the min income qualifications for the BK payment plan; therefore the bankruptcy was dismissed.
I can't even start to explain how bad this sitution turned out for me. I was told that if I wanted to keep my home I couldn't file a Ch7 BK, and didn't seem to get anywhere with the legal help I needed. At one point I found an Attorney that promised to help straighten everything out.. charged me $500 and never saw him again - he did nothing for me 
but don't worry I was able to get the money back. I read articles, forums, books etc.. to educate myself on what to do. But all in all the creditors didn't want to work with me and I felt so LOST :/
Finally, everything paid off when I found a decent Attorney to help me file a Ch.7 BK and it was done in 2014 and discharged with no issues. But with this, I've been hit twice on my credit report and made it almost impossible to rebuild credit
I have 3 secured credit cards (Merrick, Opensky, and a Credit Union). I also was just able to refinance my 19% auto loan to a 5% loan - which I'm extremely thankful for. The issue now is that no one is willing to give me an unsecured credit card - not even CapOne - who most claim are the best at this. How do I go from having secured cc's to qualifying to an unsecured? my cards don't seem to graduate to unsecured and although I've grown addicted to checking my scores and reports I can't seem to find a way - I tend to grow impatient, and I spend way too much time on all these credit forums (credit.com,CK,creditboards, etc) its seriously becoming insane.
My scores aren't really that bad (I think) but I think its the 2 public notices on my report that I believe are hurting me the most - any feedback on that? Scores are; EX 669, TU 662, EQ 675
I also hired a company who is helping me with my credit repair because I found myself going crazy mailing letters and paying certified mail costs and getting nowhere with the CB's.
So where do i go next?? Thanks everyone 
