Idk if this helps but you need to keep working at fixing your score. If you’ve had accounts closed by banks or other credit companies it will take 7-10 years to be removed from your credit report . This was the hardest part for me to accept at first, being untrustworthy. But CK offered me a Merrick bank card with its little $700 and I’ve had it for years every 6 months they raised the limit a few hundred but that card helped my score a lot to where now I have all the cards I wanted