I thought credit scores only went up to 850 and were put into place to punish/take advantage of those that aren't educated enough on personal finance. Also, I have an 806 and very much like my BOA rewards card.
Alyssa, I'm sorry for what you're going through but you are also a white woman so I would use that to your advantage and wear glasses and a modest sweater at your court hearing. If you have a nose ring, take it out that day. Also cry and talk about your son. "I use these to microdose for my depression and anxiety and [blah blah insert a story about how hard you work as a single mother and blah blah]." Practice in the mirror and get the act down.
My extreme anxiety causes me to clench my teeth (sleeping and awake) and they have shifted. So that's great. I have been trying out different medications and zoloft made me wired and unable to sleep, so that's checked off. I think I need to give lexapro another try. I'm very much afraid of losing/damaging my chompers.