With 1 of my credit scores being 495, does that mean that I am out of luck? Currently, I have about $1,000 in total debt. I am looking to move from Michigan back to San Diego, CA for some health reasons. I lived there from 1972 to 2007. I am currently on the Section 8 housing list for a second time because my name was somehow dropped from the list after waiting 7 years the first time. When I left San Diego in '07, my income was $864/month. So, I would assume that the amount would be approximately the same if/when I return. The only reason why I am still here in Michigan is that I wouldn't immediately have a roof over my head. If I knew that I had a place to go in San Diego, I would be there right now. My only contact number is my cell. (734)770-5547. If this is not the correct contact please either forward my info to the correct contact, or contact me so that I may call them. I thank you very much for your kind attention.