Reply
Regular Contributor
Posts: 230
Registered: ‎09-22-2012
0

Re: Considering Bankruptcy with Concerns

If you don't have debt over 10L minimum (don't count your car) then you really should not file bankruptcy. Look into a food pantry or something like that for groceries, eat A lot of Ramen noodles, and try car pooling or walking to work. If you can get through to your tax refund, you should be fine. Just pay your rent first and foremost. Lower that thermostat to 65 and use blankets. Anything you can do to lower costs. BK sucks, I know from experience. I know lots of people with way more baddies on their credit who have way better scores me, and it haunts you for 10 years. 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


Take the FICO Fitness Challenge

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.