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gregnftwayne

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should i file bankruptcy
my credit is terrible

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NO!!!

Just because your credit is terrible is no reason to file bankruptcy.  In fact, your credit will hurt for 10 years if you do file a bankruptcy while the "negatives" on your report right now will disappear in 7 years. 

What you need to do is work on improving your credit.  Pay bills on time, don't max out your credit cards and watch your spending.  That's the short answer.  Credit repair will take time and effort on your part and you don't need to hire someone to do it for you.

First thing to do is go to annualcreditreport.com and get copies of all 3 credit reports from the three major credit bureaus.  Go over them thoroughly.  Note anything you know for sure is NOT yours and file disputes on those item with the credit bureau that is reporting them.  That will also help build your credit.  You would not believe how many errors can be found on credit reports that consumers do not check!!!  It is up to each of us to make sure our reports are correct so our credit scores will be truly accurate.

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