Before all of this foreclosure mess happened, I had a credit score of 750. Had our own business and did very well. We met our financial obligations with no problems. Then the fall of 2008 came and we lost big time. When I filed BK and did the credit counseling, my score was down to 530. I am sure after the BK went through and my house illegally foreclosed on, my score is further in the toilet. I have not checked my credit score and quite frankly I don't care. I will be 58 on Mothers Day and I know that I will never be able to own a home again, I will never get another credit card, and a car loan is out of the question. I refuse to live up to some standard that puts me in a hostage situation. Sure I know there are downfalls to a low score, believe me I know. I realized that when I was receiving collection calls, they all said, "We will report you to the credit bureaus." It was like they enjoyed it, oh the power they had. They have no more power over me, that burden had been lifted. Although many may not agree with my attitude about my credit score, I know where I stand and I can live with that.