For those that are new or are not aware of this site, go to th e following and you can see where you stand as far as your score goes. http://www.bankrate.com/brm/fico/calc.asp?lpid=BKRATE29 Always be honest with your answers. So just clcik to get started. At the end you can click on start over and see where you stand when you have a bankruptcy and then when you answered no bankruptcy filed. You will feel great about it. I know I am and I am getting closer to my bk falling off. Also my balances are coming down, my history has no lates,a nd my scores are going up.