For credit cards, many will not even do a manual review, just make their decision on your score - so you should have no trouble getting a credit card or 3.
For mtg's or auto loans, you are not looking hard enough. Just interview them before applying. Tell them your story, 5.5 years out of a BK and a spotless credit history since....I think this qualifies you for alot more than you think. Especially with 720+ scores.
