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getting out of debt
Erik W asked:


We do not have credit cards (we both got rid of them years ago, and we would not qualify for new ones if we wanted them anyway). We have a baby on the way and want to be on our way out of debt (we have realistic expectations and do not expect this will be happening tomorrow or even relatively soon). Is bankruptcy a good option to look at?

Aubrey
getting out of debt
Jessie4reel asked:


Are there any ways to build my credit score up after getting out of debt? I do NOT have credit cards or anything like that. I’ve NEVER filed bankruptcy, either. But I DID have credit cards and maxed them out (and beyond) to cover medical bills. Now, I’m paying them off and ALMOST totally debt free, but what can I do to get my score UP?

James