Asked by davebrownjr, Rockville, MD • Wed Jul 10, 2013
My wife and I filed bankruptcy about 5 years ago and we have since then worked real hard on our credit and got up near 680 each. Last year we tried working with our bank that we have the loan with to get a refi but was turned down because we donâ€™t qualify we made every payment on time and had good credit at that point we both are at the same jobs for around 18 and 16 years a piece but it didnâ€™t matter they were not going to do it. One day we call to found out the status of the fourth time we tried and the guy at Citimortgage said we were not in bad shape and they were not going to do it unless we were welling to pay but had said if we missed a few payments it would help us and he also said our house wasnâ€™t showing on our credit report. We freaked out and found out why and were okay with that because we had worked on our credit already so we went ahead and were late on some payments like he said and they still didnâ€™t give us a refi !! Now 6 months later weâ€™re trying to get pre-approved
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