Well, let's put it this way - I have less than 2 years of lack of W-2 income. But yeah, you are reiterating my point, that credit score isn't necessarily what everything is based on. And what I was also thinking, is that I would not charge into bankruptcy assuming I knew what the consequences are. Everybody says you can get credit right afterwards, but I think "yeah, and that means they think you're a good risk for some reason other than your personal habits of paying debts, which sounds ominous".