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Joined Jan 15, 2011
Credit score of 709 up to and including 2009. Had a catastrophic illness in 2006 that caused me to deplete my funds, including my IRA. It was at this time that I first default on any credit card loans,as I had no income. I am now facing bankruptcy after reviewing the few options I found to get back on my feet.
What I am trying to say, is that an illness caused my bad credit rating, not my irresponsibility to pay. I realized I will have major problems getting qualified for a loan, but I hope that some kind souls will consider my situation and help me when I am in a position to purchase my first home.