Repair Credit Score

Question: HELP WITH MY Credit Score?

What would be better to file for bankruptcy or take out a loan to payoff all my debt (my fiance is willing to do so)i heard that even if you pay items off they will remain on your credit for 7 years after the date they are paid ,with bankruptcy it is all wiped off at once and you can start over right away ,i want to get on the road to recovery fast.If my score is 510 how long do you think it would take to get back to say 700?Any tips and advice are welcomed much of my debt was created by medical bills and a bad ex boyfriend whom I trusted like an idiot .PLEASE NO RUDE ANSWERS THIS IS A SERIOUS QUESTION ,obviously i know paying my bills will improve my credit ,but I want to know how to fix the mess i have made and how long am i looking at tilll i see improvement

Answer: First of all, borrowing money to pay off debt, does not pay off debt. It just moves it around. If your credit is as bad as it sounds and you're near filing bankruptcy, nobody is going to loan you any money anyway. Rather than treating the symptoms of your disease, you'd be better off addressing the cause. And that very simply is living beyond your means and trusting the wrong people. What you need to do now is work on increasing your income and reducing your spending and slowly paying off your debt. Good luck.

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