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Author: sophiathecat Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 1260  
Subject: Re: Getting ready to file Ch. 7 Date: 6/22/2004 7:52 PM
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Hey Scotts-
Don't worry about it. There are many of us who have gone through this and life goes on. I filed in Feb. and was discharged in May. I have over $6,000 in my bank account right now and it is all my money. I don't owe a single dime to anyone. Sure I had to file bankruptcy to get here and I have to rebuild my credit, but my life can go on and that is what you need to focus on right now. I just pulled my credit report for the first time after being discharged and it wasn't great. Correct any errors right away and apply for a credit card (What?? you ask!...). You need to start rebuilding your credit. I got one from Orchard Bank. It has a limit of $300. Perfect! All I need to do is use a little bit of that (never go above 40% of your limit) and pay it off completely or on time every month and you are rebuilding your credit month by month. This isn't easy but there is light at the end of the tunnel. I'm in my 20's and I bet you my credit is going to be awesome when I hit 30. Can't wait!
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