How about rebuilding your credit? Start with a secured credit card with a $500 limit, exercise the thing, make payments over the minimum or pay 100% within the grace period without incurring any interest and after a few months apply for a zero interest transfer credit card. Transfer the balance from the secured card and pay it down faster than the minimum. Then apply for a real credit card. There are "zero fee, zero interest on purchase only" cards out there - handy for the ten month paydown on a major purchase.
Fall seven times; stand up eight