One final thing- if you don't have post BK credit you need to do what we call "diluting" (sp) your bad credit w/ good credit.
read the following thread re: CC. But really- ask the question in the Bk forum there will be better experts there.
and read just about everything in this forum. No one is chastising you- they are trying to get you the best help the quickest way they know how.
One last thing- and this is not chastising you again- you will see a lot of "TOUGH LOVE" here on the forum, cuz "nearly" all of us who are here have had credit problems at one time or another ranging from the 18 y/o's who have no credit, those of us who had started out w/ good credit young and screwed it up, those who have had BK do to whatever unforseen forces such as illness, loss of job or just plain laziness and ignorance- and all other corners of the earth and US w/ their questions.
Reason you will be hit w/ the tough love is that just like if enough people would just for one day not buy gas the govt. would stop and take notice- yeah right- you alreayd know that people won't do it- there have been enough email campains to try to do it- unless enough people in the US suddenly stopped and followed the Dave Ramsey theories then we have to educate ourselves on how to work with and exceed the expectations of how Fico scoring and the credit/lending systems work. Priority two is to become educated on solid financial planning and implementation so we never have to go back to the state we were in before which led us to this board.
And no- I am not a 12 stepper. It's just how it is. Education for the educated, so that they may educate others so others can learn how to educate themselves by coming here and other financial sites. Make sense?
Message Edited by netpanther on
10-20-2007 01:06 PM
