Asked by ariagilmore1, New York, NY • Wed Jul 24, 2013
My credit score is 662. I filed for bankruptcy in 2009 and it was Chapter 7-discharged. I really need to purchase a home in a better neighborhood, currently I am renting. We are interested in obtaining an fha loan. My loan provider has told me that I will not be able to get pre-approved because there has been no activity on my credit since the bankruptcy. Since then, I have opened one secured credit card, but can any one give me an idea on what to do next? How long should I wait? Would I be eligible to buy foreclosures or short sales? I feel like if I don't buy soon, I might miss my chance at buying a home. Thanks, in advance.
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