If you filed bankuptcy, that will be on your credit report. If the bankruptcy is discharged, that is the date underwriters use as the starting point for starting your new credit history. According to fnma underwriting guidelines you will not qualify for a new home purchase for 5 years after the bankruptcy was discharged. If the bankruptcy was not discharged, but was dismissed, you could have a foreclosure on your record too!
Both items will be on your credit report.
Look at the fnma guidelines for a complete understanding for when you may qualify for a new home purchase.
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