You will be happy to know that your credit rating doesn't go to zero, even with a bankruptcy. You will improve it any time you pay your bills...
As far as renting, there will be plenty of landlords in Naperville that will accept you with troubled credit...
Let me know if you need help!
If you have a stable job with adequate income some landlords are willing to overlook your credit score.
I would make sure to write a letter explaining why your credit is so low.
You can also offer more rent, security deposit, or offer to pre-pay portions of future rents.
I'd be happy to go over these options in more detail with you if you would like.
Please contact me at EricHallRealEstate@gmail.com or 630-492-1284.
You are dealing with people who may have had financial issues in their past and were able to get back in their feet again.
Trust your agent! They are here to help you. If you don't feel that trust, then look for someone else to work with.
Best of luck!