I decided not to go bankrupt because being out of work again I can't afford it. I am now 52 & need to know my best route to go to have a good credit score again, as fast as possible, at my age, to at least know I can move with the landlord approving me(they check credit scores) also, employers check credit reports now. I am afraid I will not get a job anytime soon or be able to get a mortgage to own my own home for me & my daughter. Please, what should I do? My daughter is getting money from my uncle after the holidays & she wants me to use it. But if I do & the credit is not good or the collection agencies don't do what they have to on my report, I don't want to wast her money.
Thanks so much
Cindy