First Time On This Forum, Need Advice
Okay, this is my very weak spot. As far as my credit is concerned, I have some major problems which have existed for a while now.
Budgeting is also a problem.
Is there anyway I can communicate with someone on this directly? It's sort of complex and deep.
I've made a commitment to REI, but when I noticed this forum, I realize this is part of the picture.
do you know your credit score? or how to get it. if not thats your first step........kenmax
goto countrywidecreditguard {put this in your search engine} it will cost you 10 bucks tofind out......kenmax
this site will teach you how to read your score and what to do to repair it......kenmax
But, you do not have to have good credit to get into REI. Not that my credit is bad, but I have done over 100 deals not using my credit or any of my own money, so it can be done. You will need to budget, though. You can't keep doing the same things over and over again and expect good results. You will have to pay the bills that you make.
You'll need to proove to the CRA that the udgements were included in the banko and they will be changed appropriately - don;t expect this to happen overnight; but with persistance it CAN be done!
If the debts were included in your bankrutpcy, you're entitled to have those judgments vacated because a superior court has granted you a discharge from those debts. "Entitled" does not, however, mean that it will happen automatically. There will be paperwork that you will have to file with the courts where the judgments are lodged in order to cause those courts to take cognizance of the discharge and issue the appropriate order to vacate. Then the order vacating will likely have to be recorded with the county recorder ... the court might do this on its own, but chances are you'll have to pony up a couple of extra bucks to file that step in the paperwork too.
The clerk's office may be a friendly one with brochures and forms all ready for you, but don't count on it. You may need to go back to your original bankruptcy attorney, who should have all your info handy and be well-versed in doing what you need done.