Good luck!! I've unfortunately had past dealings with FP and they are less than hospitable towards people like us, they see us as non worthy deadbeats even though we try to redeem ourselves and do the right thing later on. I gave up and just waited the seven years and they are now free from my CR's. Jesus didn't get me into my mess either and didn't help me get out of it, but I learned some valuable lessons and thank the lord for the gained wisdom. you'll get to where you want with a little time and patience.