[empath75]

I went through a bankruptcy about 10 years ago, mostly stupid credit card debt I ran up in my early twenties. I paid for everything with cash for years after that and having a poor credit rating barely impacted my life. I have credit up near 800 now and the bankruptcy is still on my record for another couple of years. Other than a few months after my wedding and honeymoon, I haven't carried a balance for years.