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Here we have CNN Money discussing with Fair Issac and Experian what BK, foreclosures, lates etc. do to your credit, with chart. Straight from the horse's mouth. Merciless. I haven't filed, but now think I feel better about doing it.
http://money.cnn.com/2010/04/22/real_estate/foreclosure_credit_score/index.htm
I read the article and appreciate you sharing. Now, I see how my credit score dropped so drastically after my BK02. I know that I did not learn from that mistake and within the recent years found myself back in the same trap. I was debating on pursuing another BK or attempting to payoff my debt. This article has truly given food for thought.
Interesting article - however, they forgot one huge group of individuals filing for BK - and I'm part of that group as well: Invividuals who already had a very low credit score. In fact, my score went up due to filing.