this forum was essential prior to me going bankrupt jan 09 so i like to come back every now and again to let everyone know how im getting on. first of all, going br was the right thing for me and life has been so much better since then, today was a milestone as i have been accepted for a new credit card called Luma from capital one, im really pleased about this despite not actually needing or intending to use it that often but its a step in the right direction. i occasionally check my credit score which at the last look was 959, two points off of excellent. with just over two years to go before my br status disappears from my credit report things are again looking up.