Also, you might still file for bankruptcy with an unpaid charge off. Once you file a chapter 7 you can't do it again for 6 years. If you do not file a bankruptcy, deal with your unpaid items by paying them off or working them out. In any case start building new credit and be careful to keep up timely payments on it. A. Start with charge accounts at stores or service stations.
Many people get secured credit cards.
A. Vehicle loans may be obtained by putting a large percentage of the price down as cash up front. Expect to shop several banks or dealers to find someone willing to loan money to someone with bad credit, but it can be done. Probably, but the level of your credit will determine who you should look to for a mortgage. It will depend on how bad your credit has become. With good credit or minor flaws the lowest rates, smallest down payments and most prevalent today are what I call federal secondary market loans.