Hi, Thank you so much for your advice, it makes good sense. I think it's the bankruptcy lawyers that seem to pressure me the most as that is how they make their money selling their product. All my regular bills are paid, like rents, utilities, insurances, etc... The big costs, like current medical, dental and other pop up expenses get paid cash on the barrel head on the spot. I've never borrowed money for things. (no plastics) It's the older medical and the two negative marks that are holding me back. Now I have some good advice, I need to re examine the debt to income and get actual facts about things. It all goes back to improving my education on these things. Thank you again 
@Anonymous wrote:Hi, Thank you so much for your advice, it makes good sense. I think it's the bankruptcy lawyers that seem to pressure me the most as that is how they make their money selling their product. All my regular bills are paid, like rents, utilities, insurances, etc... The big costs, like current medical, dental and other pop up expenses get paid cash on the barrel head on the spot. I've never borrowed money for things. (no plastics) It's the older medical and the two negative marks that are holding me back. Now I have some good advice, I need to re examine the debt to income and get actual facts about things. It all goes back to improving my education on these things. Thank you again
^^^You are so right. The Bk attorney's make their money when you file so they push that avenue, even if it isn't warranted.
The phrase in red illustrates an issue you have that you may not be cognizant of - you need to have revolving accounts (credit cards) in order to generate a decent score. Take a look at the Understanding FICO Scoring forum here to get a firm idea of your best course of action. Start in the stickies with the Frequently Requested Threads. You may be surprised at how quickly you can increase your score with a little bit of credit management. You don't have to pay interest or leave a balance month after month at all and you don't need large credit limits. It's a matter of managing the credit you have been granted. Not having credit cards makes it more difficult for you to prove your credit worthiness to others.
Hi, Thanks, I know not having some sort of plastic hurts in the long run. For example, my Mom used to have one credit card, (only one). She would charge like 20 bucks every so often then pay it before the end of the month. Over a period of time she established good credit in her own name. I'm looking at doing a very small prepaid card and charge a small amount then pay it before the end of the month the same way. The other thing is I was thinking of having my landlord report my payment history (which is excellent) and that might help? Thanks again, and yes I will start with the frequently asked questions and keep reading