Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - My credit score is 471..? - My credit score is 471 and I filed bankruptsy last summer. When I first got married I had great credit, but my exhusband who was very abusive and controlling and was diagnosed by a psychologist as sociopathic used my name and credit as if it was his own, taking out loans, doing shady business deals... the police and FBI investigated him for fraud and other thigs, but since he did so many things in other people's names (mostly his family members in Iran), they were unable to get him - and believed me they tried very hard, especially the police in Utah! I was divorced 6 years ago but I am still suffering with bad credit from everything. I was able to get all my debt cleared with the IRS under an innocent spouse claim (which took 3 years!) -