Tip of the Week:  What about my credit score?  I hear this question a lot when people are looking at foreclosure, short sale, loan modifications on real estate, or when negotiating for reductions in credit card debt.  GO TO THE DANGER!!!  The first step is to get up the courage to get your credit report!  Then you can talk to the appropriate professional about the possible impact that various actions, including bankruptcy, might have on your credit score.  For some people, credit scores go up dramatically and rapidly after bankruptcy!