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I had a bankruptcy and need to rebuild my credit. Have 525 score and cant seem to get back
I tried and got 2 different Capital One cards and they are reporting I'm always late when I pay on time. I closed the accounts and can't get on top of the debt. My score is 525. I need it up over 650. cant do secured because of lack of funds. I cant tie up a big deposit. I really need help getting back on my feet, clearing up these two cards and moving on. I was catfish scammed and lost everything in 2012. BK finalized 12/31/13. HELP!!!

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