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Let me repeat the subject one more time...
Holy Shit, it's been ten years!
In September of 1992 I gave up the ghost on my financial status and declared bankruptcy. Make no mistake, I reached that point entirely through my own poor decisions. While the credit companies bear a measure of guilt for extending too much credit to a kid without the income to support the available credit, in the final analysis I am the one who went out and spent money that I did not have and could never repay. I dug myself a very deep financial pit, and I laid awake at night trying to figure out how to dig myself out. By the summer of '92 I gave up the ghost and hired a bankruptcy attorney. I lost my car, and for years afterward I not only had trouble getting any kind of new credit but I also had trouble renting apartments and had to pay extra deposits just for landlords to take me.
For a few years after the bankruptcy, I still continued to have serious financial problems. They peaked with the collapse of my marriage in '96. Since that point I have worked very hard to clean up my credit. I have paid my debts religiously, and have not had a single negative item appear on my credit report since 1997. Even so, that bankruptcy has continued to weigh my credit rating like an anchor. It has been less so in the past two years, but it still continued to lurk there.
Until this month.
I just checked my credit reports, and I no longer have a bankruptcy on record. In fact, I only have three remaining negative items. One only belongs to my ex-wife and I have disputed it. The second will fall off my report this coming February. The final one will be gone by summer. For the first time in my adult life, my numeric credit score does not place me in the high risk group.
Words cannot describe just how happy this makes me...
Holy Shit, it's been ten years!
In September of 1992 I gave up the ghost on my financial status and declared bankruptcy. Make no mistake, I reached that point entirely through my own poor decisions. While the credit companies bear a measure of guilt for extending too much credit to a kid without the income to support the available credit, in the final analysis I am the one who went out and spent money that I did not have and could never repay. I dug myself a very deep financial pit, and I laid awake at night trying to figure out how to dig myself out. By the summer of '92 I gave up the ghost and hired a bankruptcy attorney. I lost my car, and for years afterward I not only had trouble getting any kind of new credit but I also had trouble renting apartments and had to pay extra deposits just for landlords to take me.
For a few years after the bankruptcy, I still continued to have serious financial problems. They peaked with the collapse of my marriage in '96. Since that point I have worked very hard to clean up my credit. I have paid my debts religiously, and have not had a single negative item appear on my credit report since 1997. Even so, that bankruptcy has continued to weigh my credit rating like an anchor. It has been less so in the past two years, but it still continued to lurk there.
Until this month.
I just checked my credit reports, and I no longer have a bankruptcy on record. In fact, I only have three remaining negative items. One only belongs to my ex-wife and I have disputed it. The second will fall off my report this coming February. The final one will be gone by summer. For the first time in my adult life, my numeric credit score does not place me in the high risk group.
Words cannot describe just how happy this makes me...