Congrats! Keep paying the bills, getting other small debts like loans and credit cards, and you will be on the quick road to rebuilding lender trust. Remember one thing, even tho lenders do look at your past, it is what you are currently doing that is more important to them. There is a major difference between 2 people who claimed bankruptcy, were one has learned their lesson, got more debt, but is paying it on time, as the other, got more debt, and is being late. Lenders are looking for people who have learned their lessons.