My credit score is 430 is there any hope?

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      dealpal
      Keymaster

      I just looked at my credit score and its 430 transunion my badies are:
      Capital One judgement of 550
      Hsbc charge off of 1892
      American honda 5 late payments
      *
      Well i open up a secured capital one card with 200 limits, was placed as a authorize user on my mother capital one cash rewards card
      and i just joined MCU(credit union) and planing on opening up a secured card with them as well.
      Im going to the court on Tuesday see if i could get that capital one judgement vacated.
      What should be my next step?

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