turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! 
Last App: 4/5/13 Gardening until July 2014
It depends on the state you live in and lender overlay requirements. I was flat out denied when my file was sent to underwriting 1.5 years after BK 13 discharge. Your statement is like saying if you have a 580 credit score, you can get approved for an FHA loan. Ya, that is what the FHA says but you will have a difficult time actually finding a lender that will do it.
Hello, It does depend on the lender that you are going to purchase through. I spoke with my lender and I'm doing a VA loan once my Ch 13 discharges since with them there isnt a waiting period. My last payment was due in Jul, but I decided to make my final payment this month by paying the last few months at once. Check around where you are located before giving up and automatically waiting. Good Luck
Starting Score: 426 Ch. 13 BK Discharged Nov 2012 
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
FOLLOW US 
SUBSCRIBE TO myFICO EMAIL 