This CNN video article hits the nail on the head with it's advice on credit scores.  Three ways to boost your credit score http://money.cnn.com/video/pf/2012/04/23/pf-hd-boost-credit-score.cnnmoney/

If these things mentioned in the video have already been done and you are still unable to increase your score to a average number or your debts havejust overtaken your credit and you just need a fresh start, consider filing chapter 7 bankruptcy. It works and stops the negative reporting on your future history and forces the creditors to report $0.00 balances. This will increase your score. Read my other articles read credit score on my Blog.

We see and average increase of 50-80 points after filng a per