Pay up your debts Pageflora, those that are within the SOL and about the rest that have stretched beyond the SOL have them removed from your report by disputing them. Bankruptcy may be the best of the worst ideas but there are other options you can first seek to improve your score. Maybe a little more details can help us understand your situation better.
pageflora, You can also look at your report to be sure that everything is in order. Sometimes there are little mistakes that can cause damage to your report. This is a good reason to use your three free pulls every year to monitor your report.
As for bankruptsy I would make it a last resort. This can really damage your credit score and follow you for many years to come, believe me I know. If it is necessary then you must do what you can to keep afloat. Let us know if there is anything specific you need help with.
Pay up your debts Pageflora, those that are within the SOL and about the rest that have stretched beyond the SOL have them removed from your report by disputing them. Bankruptcy may be the best of the worst ideas but there are other options you can first seek to improve your score. Maybe a little more details can help us understand your situation better.
pageflora, You can also look at your report to be sure that everything is in order. Sometimes there are little mistakes that can cause damage to your report. This is a good reason to use your three free pulls every year to monitor your report.
As for bankruptsy I would make it a last resort. This can really damage your credit score and follow you for many years to come, believe me I know. If it is necessary then you must do what you can to keep afloat. Let us know if there is anything specific you need help with.