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I won't go into to much detail but after a job loss, medical bills etc. My current score is 516. I just started a new job and working to pay off my debts. However I would like to buy a house within the next year or so. I would rather pay my debts, but would it be better for my score to file bankruptcy? Is it possible to boost a score over 100 points in a year?? In the last three months of having a job I have been able to pay three debts off and become current of 4/5 of my credit cards/loans (working on getting caught up on the last one) .

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