The credit score does not matter. The bigger problem is you had to cash out part of your retirement, causing you to pay taxes and penalties if your below retirement age. If you can find any job and replace the retirement money before the time limit (not sure what it is) and avoid the penalty and taxes, that would have way more benefit than your credit score. If it's too late, just max out retirement next time and don't take on any debts that would make you have to cash out retirements again.
It's contrary to some info out there, but in some ways a good credit score could be part of your problem. It made it easy to borrow money, and then you had to cash out retirement. You want to build wealth, not your credit score.
