Credit Score Management

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You Don’t Need A Mortgage To Buy Property.

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I had a bankruptcy discharged 12/05, and am still struggling to increase my credit score in order to buy a house (not very soon, I suspect). What would be the minimum score I would need?
Also, I am about to start a divorce, and I wonder how long after that is final before I can realistically get a mortgage?

I have excellent job security after 5 1/2 years, and decent income. I do have plenty of student loans though.

I want to start a credit repair business and need to know the resources that can help me to get started.

I am not talking about a fantastic interest rate loan, but just baseline, what credit score do I need to qualify for a loan at all? Due to some student loan troubles over the last 12 months, my credit score plummetted into the 500s (from around 700), but I make 6 figures with minimal debt so I’m wondering where I need my credit score to be before I can even consider a mortgage.

I’ve been building my credit for a year, after my Bankruptcy and have gone from a 500 to a 561 so far. What score would I need to get approved for a deparment store card, like Target, IKEA, Best Buy, etc.?