Quote Originally Posted by morkuma View Post
that's what i'm doing. not that i'm HUGELY in debt, but i just want to clear the cards. start fresh
this is the only way you dont get docked on your credit, and you actually build it up while paying them off. sure its not quick...but you will be on the right path.

"EVERY" little tid bit goes on your credit...including Ch7......


it takes 7 years for that dock to go away......just remember that.