ice38034 asked:


Ok here is my story…I filed chapter 7 bankrupsey last year. My husband left me with a 3mo old special needs baby and between paying for his doctor bills and putting myself through college I was in $15,000 debt and I filed ch 7. Now I am out of college and want to get my credit back on track so I can buy a house in the next few years. I though if I got a credit card from a dept store to show that I can pay them back and establish credit that would work, but I get turned down every time I apply. My bank will not even let me have a debt card. I have a stable job now and I’m looking to settel down and get my life back on track. What steps do I need to take to get my credit back on track? Can anyone give me any advice?

Stacey

jjkk asked:


How can I get my credit build up if no one will give me a credit card to begin with? I have never had a credit card, I bought a home and I have been paying mortgage on time. Will that help my credit? I do have doctor bills on my credit report, any ideas as to how I can get rid of them without costing me a arm and leg.

Thelma