We filed Chapter 7 and had it discharged in December 2009. Our FICO scores range from 680 EXP, 690 TU, 695 EQ. We have been able to get new credit and made all payments. 2 months ago we stopped mortgage payments as we are short selling (orignally we planned on keeping the home, never re affirmed). Our credit is not being affected but I think I would like ot rent for 2 years then get a VA loan on a new property. Has anyone had issues renting with a BK that is discharged 1year 8 months ago with rebuilt credit in the very high 600's? I have seen some applications want home owners to show mortgage payment history but we stopped payments 2 months ago to get the short sale on the road.
I think very few landlords would disqualify you simply for the bankruptcy. We looked at a new house yesterday and he even told me just to be honest and that he doesn't care because "everybody" has had to file. With everything that's happened since 2008, I wouldn't worry too much.
I filed and was discharged in 2009, stayed with the existing apartment for 10 moths after discharge and then moved to a different city. I rented from a private individual, he ran a TU based rental credit report (my credit was off-the-charts-high despite my BK), and took a reference from my then-current landlord.