Maybe Guido down at the local pool hall. 500 is a terrible Fico score. I lost a house, and had a bankruptcy a few years ago, and never went below 630. Best thing to do is get a few 'secured credit cards', where your credit line is equal to your cash deposit. They will accept almost anyone if they are protected by a cash deposit, in the form of a savings account. Capital One is a good start. No one knows that your card is secured, and it is reported the same as any other credit obligation. Just make sure you never go over 30 days late. A few years later, all the stuff has dropped off my credit, and its up to 730.