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Starting Score: Equifax: 551
I filed BK7 in May 2002. My credit report states it will fall off in April 2012. There have been a few people posting here that stated it came off a couple of months early. I have quarterly TU reports and my latest, December 30, still has the public record listed. By the way, i was approved for a $192k mortgage in may 2007 and a $280k mortgage in November 2011. I also refinanced my mortgage from 2007 in July and received a 15 year 4.25% (that was the best rate at the time.) You may still want to wait, but i don't think it will help you get a better rate.
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