The wife and I were talking the other day about the idea of moving back over to the US one day (she's American). I know she misses her friends and family out there. And I didn't mind it too much either. But the main thing that puts her off going back would be dealing with all the bad credit she ran up when she was at college. From personal experience out there, I know that, in many situations, you are your credit rating. She has her college loans, a bunch of old credit cards and a few other things to sort out. We'd definitely want to be in a situation where we could investigate a mortgage, car loan, etc, without having to wait 6 years for her credit record to clear itself, and without our wages being garnished to the point of non-existence. So, for those of you who've been in this kind of situation and pulled themselves out of it, or dealt with it in other ways, how did you go about it? Are there ways around your credit rating being the be-all and end-all of everything there? Got any good tips for writing it off?