I just finished a bankruptcy a month ago. Before a tenant fiasco my credit score was ~800. Now that I've gone through the process I'm at ~630. It's not that bad

I just finished a bankruptcy a month ago. Before a tenant fiasco my credit score was ~800. Now that I've gone through the process I'm at ~630. It's not that bad. But when I went to look for an apartment in NYC. I was constantly denied due to the bankruptcy on my record. I felt the solution they offered was downright predatory. Either a for paid guarantor. Which took 3 months rent as a non refundable collateral, then an additional 3 months as buffer for failed rent. That was on top of most land lords wanting 6 to 8 months rent for down payment. Another service I saw was a guarantor insurance plan. Which tacked an extra ~8% as an insurance fee for the first year, than 5% the next year. The only reason I care about my score right now. Is related to putting a roof over my head. Due to the above I went down to Philly and only had to put up four months instead of the typical three. To rebuild my credit I had two secured cards. One for monthly services, the other for larger purchases. I paid them down to 10% each month. This is what brought my score to around 630ish range. Since being discharged. I have been receiving offers that feel predatory to me. House loans with a consultation fee. Or auto loans with really high APR. I've also received a number of credit rebuilding loan offers. Which have non-refundable application fees ranging from 75$-100% with a variable APR between 24-32%. I'm blessed to be a well paid software employee. Because once you're on the other side of the fence. No one trusts you, and the fine print is much more aggressive. I really feel now for people who are barely scraping by. Having to sign these agreements just to cover a roof. I will look at this just to rebuild my score. It may not be the best. The only other company that approved me was Dell. We do need a better program to help people recover. Without penalizing them with higher APR or hidden fees. If they got into that perilous position. They may not be on the best footing.