None of them.
You know better than anyone why you have bad credit, but the why doesn't even really matter. If you wanted to run a marathon, how would you go about it? You'd train, you'd get into shape. You wouldn't just get off the couch and start running.
Well, what if you had a sprained ankle. Now, you've got the rehab the injury BEFORE you can begin training.
That's where you are, with a sprained ankle and out-of-shape, credit-wise. So first, you have to rehab your credit - start paying off your bills on time, paying down the balances, rehabbing. Then, you have to build up stamina - keep paying your bills on time - until you can get that credit score into the high sixes.
Then, and only then, should you consider entering into a commitment for a thirty-year loan.
That's my advice.
All the best,