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    <title>topic there IS hope in Bankruptcy</title>
    <link>https://ficoforums.myfico.com/t5/Bankruptcy/there-IS-hope/m-p/403667#M3181</link>
    <description>sup to all my myFiCOians!!&amp;nbsp; &lt;img id="robottongue" class="emoticon emoticon-robottongue" src="https://ficoforums.myfico.com/i/smilies/16x16_robot-tongue.gif" alt="Robot tongue" title="Robot tongue" /&gt;&lt;BR /&gt;&lt;BR /&gt;I would like to take a minute to ease nerves of those that are either entering, in the middle of, or just finishing a BK.&amp;nbsp; &lt;STRONG&gt;There is light at the end of the tunnel!!!!!&amp;nbsp;&lt;/STRONG&gt; (even though the d@mn tunnel appears to be inhabited by hobbits and you have no flashlight)&lt;BR /&gt;&lt;BR /&gt;Its been a little over a year since I joined this site (right after a discharged Ch 13 in sept 07).&amp;nbsp; I read through a ton of threads and applied all the good advice.&amp;nbsp; A lil over a year later and I have 4 new lines of credit along with good scores.&lt;BR /&gt;&lt;BR /&gt;Dispute, Dispute, Dispute!!&amp;nbsp; you'll be surprised how many things will drop off your record.&amp;nbsp; Don't be a ding dong like me and wait till AFTER discharge, start disputing old inaccurate stuff even if you still in BK.&amp;nbsp; Then once you get out of jail you'll be ahead of the game!&lt;BR /&gt;&lt;BR /&gt;PS&amp;nbsp; man its so much easier to post now, no more forgetting to click on the html&lt;DIV class="message-edit-history"&gt;&lt;SPAN class="edit-author"&gt;Message Edited by DillPickel on &lt;/SPAN&gt;&lt;SPAN class="local-date"&gt;12-24-2008&lt;/SPAN&gt;&lt;SPAN class="local-time"&gt; 01:05 AM&lt;/SPAN&gt;&lt;/DIV&gt;</description>
    <pubDate>Wed, 24 Dec 2008 09:05:22 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2008-12-24T09:05:22Z</dc:date>
    <item>
      <title>there IS hope</title>
      <link>https://ficoforums.myfico.com/t5/Bankruptcy/there-IS-hope/m-p/403667#M3181</link>
      <description>sup to all my myFiCOians!!&amp;nbsp; &lt;img id="robottongue" class="emoticon emoticon-robottongue" src="https://ficoforums.myfico.com/i/smilies/16x16_robot-tongue.gif" alt="Robot tongue" title="Robot tongue" /&gt;&lt;BR /&gt;&lt;BR /&gt;I would like to take a minute to ease nerves of those that are either entering, in the middle of, or just finishing a BK.&amp;nbsp; &lt;STRONG&gt;There is light at the end of the tunnel!!!!!&amp;nbsp;&lt;/STRONG&gt; (even though the d@mn tunnel appears to be inhabited by hobbits and you have no flashlight)&lt;BR /&gt;&lt;BR /&gt;Its been a little over a year since I joined this site (right after a discharged Ch 13 in sept 07).&amp;nbsp; I read through a ton of threads and applied all the good advice.&amp;nbsp; A lil over a year later and I have 4 new lines of credit along with good scores.&lt;BR /&gt;&lt;BR /&gt;Dispute, Dispute, Dispute!!&amp;nbsp; you'll be surprised how many things will drop off your record.&amp;nbsp; Don't be a ding dong like me and wait till AFTER discharge, start disputing old inaccurate stuff even if you still in BK.&amp;nbsp; Then once you get out of jail you'll be ahead of the game!&lt;BR /&gt;&lt;BR /&gt;PS&amp;nbsp; man its so much easier to post now, no more forgetting to click on the html&lt;DIV class="message-edit-history"&gt;&lt;SPAN class="edit-author"&gt;Message Edited by DillPickel on &lt;/SPAN&gt;&lt;SPAN class="local-date"&gt;12-24-2008&lt;/SPAN&gt;&lt;SPAN class="local-time"&gt; 01:05 AM&lt;/SPAN&gt;&lt;/DIV&gt;</description>
      <pubDate>Wed, 24 Dec 2008 09:05:22 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Bankruptcy/there-IS-hope/m-p/403667#M3181</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-12-24T09:05:22Z</dc:date>
    </item>
    <item>
      <title>Re: there IS hope</title>
      <link>https://ficoforums.myfico.com/t5/Bankruptcy/there-IS-hope/m-p/478793#M4023</link>
      <description>&lt;P&gt;coming back to give an update....&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Just closed on my house.&amp;nbsp; Got a FHA loan with a 4.75% interest rate&amp;nbsp;&lt;img id="robotvery-happy" class="emoticon emoticon-robotvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_robot-very-happy.gif" alt="Robot Very Happy" title="Robot Very Happy" /&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;If you have are in BK or have one on your record, don't give up hope&lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Fri, 10 Apr 2009 06:57:13 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Bankruptcy/there-IS-hope/m-p/478793#M4023</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2009-04-10T06:57:13Z</dc:date>
    </item>
    <item>
      <title>Re: there IS hope</title>
      <link>https://ficoforums.myfico.com/t5/Bankruptcy/there-IS-hope/m-p/485370#M4098</link>
      <description>&lt;P&gt;That really does give me hope. I just wish I knew what to dispute.&amp;nbsp; I hardly know what's reporting incorrectly.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;EQ 637&lt;/P&gt;&lt;P&gt;EX FAKO 680&lt;/P&gt;&lt;P&gt;TU 575&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;What is cake for if not to eat.&lt;/P&gt;</description>
      <pubDate>Sun, 19 Apr 2009 06:48:16 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Bankruptcy/there-IS-hope/m-p/485370#M4098</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2009-04-19T06:48:16Z</dc:date>
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