Chapter 7 discharge was one year ago. Current situation is that my wife owns a home solely in her name, I'm not on the loan or the deed as she had the house prior to our marriage. I pulled my credit a few months after and found that my credit scores seemed to go up. I would say my mean score was...

January 12, 2011

For the last two years , its been nearly impossible for subprime borrowers to qualify for a loan of almost any kind. But that's beginning to change as banks slowly return to lending. First up: credit cards.

Consumers with less-than-perfect credit scores...