Quote Originally Posted by www.whatthefuck.com View Post
ok look i went through some shit awhile back and declared bankruptcy to get out from under insanely high medical bills (thank god obama wasnt elected in 2000) and now my car paymnt has 18% interest because i got it 1 year after, i still owe 15k on it (dont ask ok) but my credit score has gone up 100 points, the problem here is that a "good" credit score has also gone from 900 to like 1k points so im in exactly the same boat i was in when i started off, ive gone up 100 points (never missed a payment) but so has a good credit score, so how the FUCK do i fix that?
7 years for bankruptcy to be totally gone off your report, but after 2 years or most lenders will rate you as a good risk because you are debt free