Yes, we've thought of it but it can't work. We've both done the public transportation thing before (in another state) but now live in a small town (no public transportation) and too often our work takes us different directions. I've been browsing the boards and still feel at a loss what to do. I love the concept of prosper.com but with the loans being 36-month, the monthly payments would be the same or higher for paying off current high-rate credit.
Do you know if its still the case that B of A will not give credit with a BK on the report? Its been 7 years but I know it stays on there 10 years (or more).