Payday loans online do help when credit scores are looking bad. Even after bankruptcy, you can still get a payday loan online to help out with emergency costs. It is good that you have a place to go to get some a fast loan, but rebuilding your credit should be your main focus. In order to start rebuilding, a good place to start is with a secured credit card.
It was never a goal of mine to get into the 800 Credit Score Club. I had credit card debt all throughout college and student loans after grad school. Let me show you how I managed a near-perfect credit score!