I filed bk in 10/2007 and just got it discharged last month. Single mom of 2 - I did not want to file but had no choice. Boy am I glad I did!!! I have 1 credit card that I use for emergency purposes only and to also build a good credit history. If I NEED to use my cc I make sure I PAY IT OFF IN FULL when the bill comes in. My fico score went from 510 to 639 in 2 months!!! I am in a BETTER place now for myself and my kids. I have NO STRESS and I now have money in my savings account, afford to pay my rent, and food on the table. For my situation - alot of people told me never ever to claim bk - but I will say again.....Boy am I glad I did!!!!