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worst case get a high interest auto loan if you have too. You can get a car loan with shit credit just because they have something they can repo. Of course only get it if you can afford it, nothing could be worse than buying something and not being able to make the payments on time.
Even if it's 20%+ interest take it, then grin and bare it for a year then refinance it if it's not paid off by that time. I just went through the same kinda issues over the last few years and buying my Tacoma truck help my credit out a hell of a lot. To the point I can buy a house now with no real issues.
Nothing you can do will solve the issue fast, it's a long term process. I wouldn't take a secured card but to start if you have to take one with a yearly fee.
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