I don't want to offend anyone or make assumptions. Just some advice about credit cards and credit.
My credit got messed up after hurricane hugo. A few years later I started again with getting a credit card I put a savings account in to secure it with. I charged a few small things and then paid the bill every month.
I am now back to excellent credit. Just trying to say there is a way to get your credit back to anyone that doesn't think they can make a come back