- Gold Member
- Posts: 43
- Joined: Sun Oct 14, 2012 6:58 pm
- Location: USA
Me too. I went through a nasty divorce that finalized in 2007. I filed for BK around the same time and lost my home, etc. My ex husband took me to the cleaners and even stole my identity and disappeared. (The judge or anyone didn't do anything about that.)
In any case. I was left to start cleaning up the credit mess.
What I first did was get a capital one CC and a secured Wells Fargo card. Eventually the secured card turned into an unsecured.
All of my negatives except for the BK dropped off of my credit report as of last month.
Check your credit reports and like the above poster said, check for errors. (I found more instances of identity theft by him that way.)
I know it's painful but all I can see is start over fresh... clean start, enjoy life, and the 2nd time is a charm, if you know what I mean :-)
TU: 783, Equifax: 772
Ch 7 BK in '06, finally dropped off in '16
paid off car
0 CC debt (Disc, Citi, and WF Amex)
furniture debt: $1800
Closed unused CCs, was dinged a few pts, but recovered
I filed for BK in '06 and was in debt over $500K. Never again! You can do it too!