after being discharged, i really thought i would wait it out about 6 months or so to apply for any credit. we had toss the topic over and over again.

one of us believes we should never have it again....and one of us KNOWS we need to get a mortgage again (guess which one I AM!! LOL!!)....

said I would have an answer within 7-10 business days. Is this a good sign? Bad sign? Can go either way?

We included them in our BK (discharged May 10) and have been denied once or twice because we had too much current or past delinquent accounts with them.

We are hoping...

I'll keep this brief. I got a lot of information off of this board most of it usually at times when I knew I was being totally irrational and worrying unnecessarily, but nonetheless this was very helpful to me. I had a hard time finding information about NJ specifically so I wanted to just post my story...

I have been approved to incur debt for a car. I would like to apply to a few lenders to compare rates. I have read that when applying for auto loans, there is no significant impact to credit score because there is expectation that people will shop rates. Is this true?

I would not want...

I just happened to run across this while I was looking for something else, and thought it might prove helpful to some.

"WilliamPaid's Bill Verification service, and WilliamPaid
will verify and report your past payments for monthly
recurring expenses, such as rent,...