Filing Bankruptcy, Should I?

Im trying to get an FHA and well I know you need a score of 620 and Im at about a 516. I have money to pay off all my debt but I know that's not going to raise my score that much. Im lost on how to raise my score. I don't have creidt card debt, I cannot qualify for a credit card. So how am I supposed to raise my score???? I was thinking of filing bankruptcy because someone I knew did it and after they did they got an FHA. Does anyone have suggestions for me?