Mine was discharged in January 2005.
hello, sorry to hear about this, hopefully one day you'll look back at this from a better position, things always go up and down.
Here's some reading that will cover some of the points, all free
http://finance.ebookorama.com
also plenty more to read here
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
http://credit-cards.ebookorama.com
good luck!
