In answer to your question Missey, yes, there are some of us who have filed BK twice. It has been two and a half years since the last one (the previous one was in 87) and much has changed since then. Both mine and my wifes FICO scores are in the 650 to 675 range and yes, I am challenging items on both of our credit files. Don't forget, you do live in the greatest country in the world, where you are always afforded a second chance. I was still in school (the second time around), and just had been through some recent surgeries preventing from working like I should have been when this last bout happened. Since then, my income has almost tripled since getting out of school as well as my wife probably has the best job of her lift also. We will probably top six figures this year for the first time ever. We both have nice vehicles, and financially are better off than we've ever been. A good piece of advice, find a person you trust in the banking/credit union business and work HARD with them, this has really helped us. All is not lost, keep trying!!!
