Four Down, Two To Go

Over the weekend, it was four years since my bankruptcy was declared.

That means I’m two-thirds of the way through the process now, although really all that remains is waiting for it to come off my record. All the rest is done.

As evidenced in a previous post, it still has knock-on effects, but that was expected. I never went into the process thinking it was a quick fix, or that everything would be rosy straight afterwards.  I’d done my research, and knew the effects.

Of course, that doesn’t mean I expect to be dismissed out-of-hand for having been through this process, and still having it on my record. Paradoxically, I don’t mind being dismissed out-of-hand if the company in question is open and honest about it – if they say “We won’t accept [x], because you’ve got that on your record” then fine. I get that.   It’s when I’m lied to about it that it annoys, or when they try blaming someone else. “Oh, your credit score isn’t good enough“, “You haven’t passed our criteria, but try again in six months” and so on. That shit isn’t on – tell me it’s because I’ve been a twat in the past, and that’s fine. Try passing the buck on it, or leading with false expectations, you’re a tosser.  It really is that simple.

As time goes on, though, it’s all rebuilding nicely. And that’s the end goal, really – just being back on an even keel, with nothing owed to anyone.

2 Comments on “Four Down, Two To Go”

  1. Margo says:

    It’s a long haul, isn’t it?
    But good to know the worst bits are over.

  2. Lyle says:

    It is – but at the same time, I always knew it would be.

    And yeah, it’s one of those interesting ones where all the really crap stuff is at the start (and the runup to the start) with everything else being more of a gentle coast away from the shite. Which is actually not a bad way to do things.

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