580 is the lowest some lenders will consider, but not all. Paying down your debts while leaving your credit cards open will improve your scores.
Lenders use the middle score of the lowest scoring borrower from the credit reports they obtain on their own. You may find that the scores you have and the ones obtained by a lender are the same.
Please don't jump as soon as you hit 580. The odds of getting approved at the bare minimum are low.
Resolve your issues, pay your bills on time, have low to zero balances, use credit but pay it off monthly for items you need to buy anyway.
Some lenders assist with credit repair as part of their service. There may or may not be a fee for this. Find a lender who does and you'll make more progress faster.