just filed 3 weeks ago have a ?

[FoolAndHisMoney]

PS And also I DO NOT think trying to reestablish credit is a bad idea at all, Its just I am not ready for it yet. Glad to be in the 60 day club. Bless us all.

I do agree with you and Staci on this one. Re estabish credit the right way for the purposes of low interest on car loans, mortgages & small business credit and stay the hell away from unsecured credit cards! As we all know they suck!

[fellowpoorman]

I am a new user here, guess I didn't look at the dates of the posts, I have been reading these things for several days now, trying to get info like alot of people, no harm intended, ease off please, theres no reason to attack me. I saw the forum and have read it from page 1 and so on. I thought I had something to say. My mistake. I just would like to help answer questions(like you) if I can, and share my experiences as I go through bankruptcy.

[cpw111]

Who dug up this post and dusted it off?

[fellowpoorman]

To All

Accidental on my part, sorry lets get past it, Lets share helpful info to our brothers and sisters who are feeling the same sense of panic and anxiety that we have experienced, We can all get along.

[edwards2]

Really...put a period at the end of this dialogue for heavens sake...who cares if is current or not...as for the use of credit cards...I disagree. Let me insert a disclaimer first ...our BK was not due to overuse of credit cards...I do believe you should pay cash first and always if you can but I also think having a credit card that is manageable and is paid off every month is not a bad thing at all. We applied for and received several with low limits that we take care of every month. And by the way our credit score has already gone up since we have had them. I have learned not to charge more than you can afford to pay..so I will NEVER have an American Express card. I am not disciplined enough to handle one of those again. Of course paying your mortgage and car notes(if any) helps your credit tremendously...I have been told by a lender that they look first at how your pay your mortgage and car notes, credit cards and then any other monthly payments. If you dont want a credit card - more power to you but that doesnt mean it is the right decision for everyone...

[fellowpoorman]

57 days to go, think this is going to be a long wait, trustee said i will be getting a discharge barring any objections and good luck, but still the mind wonders?? crossing me fingers.

[StaciMM]

Very well said... This is not 'one size fits all' and there are more purposes to getting a credit card than getting into debt.

Really...put a period at the end of this dialogue for heavens sake...who cares if is current or not...as for the use of credit cards...I disagree. Let me insert a disclaimer first ...our BK was not due to overuse of credit cards...I do believe you should pay cash first and always if you can but I also think having a credit card that is manageable and is paid off every month is not a bad thing at all. We applied for and received several with low limits that we take care of every month. And by the way our credit score has already gone up since we have had them. I have learned not to charge more than you can afford to pay..so I will NEVER have an American Express card. I am not disciplined enough to handle one of those again. Of course paying your mortgage and car notes(if any) helps your credit tremendously...I have been told by a lender that they look first at how your pay your mortgage and car notes, credit cards and then any other monthly payments. If you dont want a credit card - more power to you but that doesnt mean it is the right decision for everyone...