Before the mortgage melt down, it was possible with good credit scores, to get a sub-prime loan one day out of bancruptcy. Now, according to conventional guidelines it can take up to 4 years after a bancruptcy is discharged before you can qualify for a new loan. This isn't a hard and fast rule though. I just closed a loan with a chapter 13 that was discharged for 2 years. With conventional loans it comes down to the automatic underwriting decision. If the credit score is good and other factors are strong, you can get an approval long before the 4 years stated in the guidelines.

What was the reason for filing? If it was medically related or based on a layoff or some cause outside of your control, with an FHA mortgage you may be eligible with in a year. The best thing you can do is review your credit, make sure that all the items on the BK are accounted on your credit report and not still showing as in default. If you have problems you can dispute with the credit repositories, send them your discharge papers and they will correct the mistakes. If you re-establish credit and pay all your bills on time your scores will improve and you will have options.

You were discharged in June 07..?

Your credit bureau could say anything right now, it might not show the discharge, it could show previous credit accounts with multiple late's, no pays, etc, etc -- it could say anything.

Your best bet .. get on FICO.com or Free Credit.com and pull your whole credit report - all 3 .... you need to read it and pick it apart and find the flaws

A discharge is a funny thing, it doesn't clear your credit, it can make it worse ....

Happy landings....