Lost 21 Points!! Okay, here's a quick update.. I already posted I went through a horrible divorce this past year, finalized March 17, 2012. I still don't know what negatives are up ahead, just handling them as they…Rebuilding Credit after irresponsible years What's the best way I can rebuild credit aside from paying off baddies?I have 5 baddies ranging from $ 250-$ 1850 from 2011-2014.Obviously paying them would do the most but I can't afford to right…My next step in rebuilding my credit should be? I had a ch 7 in 07 and I am rebuilding my credit. I am up to 630TU and 640 EX from 600's. I raised it with a secured credit card. I have 9 baddies…