Here is what I did: 1. Dispute all derrogatory tradelines to see what would simply go away. (Most of them were deleted!) 2. Got a secured card. I kept the payments current, paid more than minimum each month and increased my deposit each month. 3. I got a car loan. (Granted it was horrendous interest, but I needed the car and it built credit). 4. I disputed validated stuff during CHOD and got more deleted....including the BK that was 9 yrs old. (I still had the more recent BK) 5. I applied for Target Visa when my score was 680 and got a $700 limit. Not high, but unsecured! 6. I applied for Household the following month and got a $300 unsecured limit. 7. I applied for a used Dodge Neon and used Chrysler Financial (they pull EQ). I got a *good* rate on that. 8. I got my mortgage last March! 5.78% $139,000 Good luck!
