My life CRASHED in March 2011. Every debt I had went past due as of April - almost 100K.
Recovered physically & mentally, rode out the SOL praying I didn't get sued.
Started rebuilding Jan 2017.
Secured card with BofA - these can graduate to unsecured.
Secured card with Open Sky (reasonable APR & annual fee)
CreditOne - unsecured but bottom feeders, imo.
Merrick Bank - unsecured, limit doubles after 6 payments, no fee, not great rate so far.
PayPal MC,unsecured cash back, no fee, rate based on credit score.
Blaze - unsecured, $50 fee, high APR
5 STORE CARDS - which will be my credit length anchors. No fee, pay off when used, etc.
Now I wait it out. Have until April to lose the baddies (if I can't get early exclusion). Then wait it out - see what I get offered & what I want. Lose OpenSky & Blaze - replace those with much better cards.
If a card doesn't cost you money, keep it, charge something once a quarter and let it age.
Make a plan break it down into steps-and work it.
