im not sure if its easier to fix my credit with all sorts of lates on two accounts
my morg no payments for 16 months and one citi credit card not paying
or claim bankruptcy and wipe out all bad debt including a lien. my score went from 728 to 500 now. they just modified my loan so that should help but but the citicard and lien are still there, i have three cards that are current never late. any thoughts. i heard of people who claimed bannkruptcy and bought a house 2 years later. i dont think i can do it that fast by fixing my credit.