I had bad credit before and I remember how it honestly sucks. You can`t get a credit card for anywhere, no where wants to approve you for a loan, etc. I found the best thing you could do is fix your credit, wait that 3 month waiting period for it to be removed, and get a fresh start. I know people who have taken the bankruptcy route, which is fine if you have no other choice - but remember that will affect you for the next 7 years. I have a close friend about to actually just get off bankruptcy. She can`t get credit cards, loans, nothing. Her terms of her bankruptcy was where she has an amount come out her pay check each month to pay back her debt. So she still paid off her own debt, but believe me, it will affect you for quite a long time. If you`re in debt I would advise to take advantage and get your free credit pro evaluation. It couldn`t hurt to see what they say for you.
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