01-16-2013 11:42 AM
In all honesty - I wouldn't
I view reaffirming as very little to gain while giving up all of your leverage. You've been granted a get out of jail free card. You NEVER know what the future holds and while gamble with that??
If you want to see credit progress - give it time with the right lines of credit and such - you'll gain just as much as reaffirming.
Patience is the key in all of this. I struggled with the same thought process and same situation.
Ch. 7 BK - 7/12 (discharge 10/12)
7/13 - EQ FICO 643 / TransUnion FICO - 639 / Experian FICO - 624
CU Sec. - $500 / Cap 1 Sec. $200 / JCrew $250 /
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