2 and a half years bk discharged and credit still bad???

[Lightning]

Can I borrow your crystal ball, Mike? I'd love to be certain of my future income.

[BassBoy]

Don't finance a computer. Save your money, and pay for it in full.

I would have to agree with Lightning on this one. The purpose of filing BK was to relieve the debt and get rid of it for good.......so why rack up more debt? If you can't pay for it in cash, then do not make any purchases on credit. Remember, you were given an opportunity to get a fresh start, so take advantage of it and use credit wisely.

If you have the potential to get a better paying job in the near future, then I would wait for that to happen before making any huge financial decisions like buying an automobile or getting CC's for the purchase of a computer or anything else. Don't count your chickens before they hatch.

If your CC's are maxed right now, it may be a little more difficult to acquire anymore credit. And just an F.Y.I., try to keep your CC bablances under the limit and the your scores will improve.

[bkfiler]

he posted here too? what is wrong with him? didnt he promise to leave. started an entire thread about it too? it is looking to me like he does not stand up to his promises like he puts other people down for not doing. this tells us something very deep about him. its worse then just regular peeople not being able to keep their promise and pay their debts. but to scold and put down people for that and then do it yourself in a sense is much worse.

its time for you to leave like you promised 'lighting'.

[Kam]

I have to agree with the other posters here.

How can you predict your income? I work for an engineering department at a University and not all of our graduates are hired at the same rate of pay. Computer science *used* to be the top tier of in the cs/engineering field. What makes you think you will be hired at a Cisco-type of company? I'm not trying to bust your bubble, but you really need to be realistic about the job market. Do you have an actual offer of employment? Or is this the type of field you *expect* to be working in? Do you receive the Computer Science and Engineering Graduate periodical at your school? It comes out once a semester and is an excellent source of information regarding the job market.

What folks are trying to tell you in this thread and your other threads is that your expectations are too high. You are expecting lenders to bend over backwards for you. You want a high-end car, a high-end lap top and your credit cards are already maxed out. Have you done anything to clean up your credit report? You realize that places like Cisco, Micron, Intel, HP, Microsoft, etc., any big name in engineering/computer science will do a background check, including your credit history. I would be more concerned about repairing my credit than taking on additional debt.

I will tell you what I tell my students who are about to graduate: do not rush out to purchase a brand new home and car. Be conservative: wait a year or so before you make life-changing decisions. You may find that your *dream* job is not such a great job after all. You may find that you have to relocate frequently. Do not be in a hurry to rush out and acquire massive debt. I am offering this same advice to you.

As was stated earlier, you can find nice laptops from Dell or HP for under $700.00. The best thing you can do for yourself is to work on cleaning up your credit. There are good resources here and at www.creditboards.com and www.artofcredit.com.

You can not honestly expect creditors to pony up thousands of dollars on credit risks. Take the time to read many of the posts on here regarding the perils of rushing into debt.

Good luck.