You had me until the end, "Now that her debt is clear Bostick has set to
building credit, but is a little worried she’ll start charging
irresponsibly again." Really? Then the lesson hasn't been learned.
Close all credit card accounts. Only use cash or a debit card. Forget about
rebuilding credit - that's how you got into the mess in the first place. Go
for a zero on your credit report and make banks do manual underwriting. Credit
bureaus do not measure your net worth - just how much you borrow and pay back.
As a people we need to question the usefulness of the credit bureaus and the
falsehoods they create in needing a credit score.