Questions regarding getting good credit

I purchased another home in 2005 and my credit was superb.  However, in 2007 my mom and husband became ill , my husband had to retire after 39 years at Chrysler and I had to pay thousands of dollars to sustain my mom in a assisted living facility.  I fell behind on my mortgage several months but am currently in a loan modification program.  My teenage daughter this year totaled my 2007 PT cruiser, so I had to purchase another automobile which I had a heck of a time financing because of my credit: (late on mortgage payments).   When I purchased the home in 2005 I paid off all of my credit cards and  my credit score was 700.  Now I doubt if it’s 500.

———————

It would be helpful to have a good line of credit in addition to your
car loan and home loan
it will take 1 year to do any good though
it would be nice to know your score now

——————–

I’ve just written the credit bureaus for my credit reports.  Would it be ok when I receive them, I’ll email you to let you know what my score is?

——————

your scores cost money unless you get credit monitoring and cancel is
less than 7 days.

—————

Questions regarding getting good credit