Well, its been ages since I posted. When I got preggo 2 years ago my focus and my posting preference went from BKforum to my PGforum..LOL.
Anyway things are great. I filed my BK7 in 10/05 and was Dc'd in 2/06. I aggressively rebuilt credit and I can honestly say things are pretty much back to normal. I've kept my finances within control, but of course have a little more debt that I probably should but its all VERY manageable and we are living within our means.
I finally just started closing some of my earlier cards like cap 1 and hooters...those card with yearly fees.
My last car we got at the beginning of the year for my husband we financed through our credit union at 2.9%. We are in the process of buying a home and just locked in our rate today at 3.75% on a conventional. I've been able to save up $100,000 in my retirement since bk and I am proud to say that I'm still driving the same car that I got a few months after my filing and its PAID OFF. Another things is we have rented apartments along the way and not one time have they given us any problem with having a BK.
So, I'm hoping this gives inspiration to those just starting the process. If you can just look a few years down the road things do get so much better and its all worth it!! Filing BK was the BEST BEST BEST decision I ever made and I haven't regretted it even one day!!!
Anyway things are great. I filed my BK7 in 10/05 and was Dc'd in 2/06. I aggressively rebuilt credit and I can honestly say things are pretty much back to normal. I've kept my finances within control, but of course have a little more debt that I probably should but its all VERY manageable and we are living within our means.
I finally just started closing some of my earlier cards like cap 1 and hooters...those card with yearly fees.
My last car we got at the beginning of the year for my husband we financed through our credit union at 2.9%. We are in the process of buying a home and just locked in our rate today at 3.75% on a conventional. I've been able to save up $100,000 in my retirement since bk and I am proud to say that I'm still driving the same car that I got a few months after my filing and its PAID OFF. Another things is we have rented apartments along the way and not one time have they given us any problem with having a BK.
So, I'm hoping this gives inspiration to those just starting the process. If you can just look a few years down the road things do get so much better and its all worth it!! Filing BK was the BEST BEST BEST decision I ever made and I haven't regretted it even one day!!!
Comment