I had a Chapter 7. The people in your office are confused. The handbook says:
The following will not be considered indicators of unacceptable credit:
(i) A bankruptcy in which debts were discharged more than 36 months prior to the date of application or where an applicant successfully completed a bankruptcy debt restructuring plan and has demonstrated a willingness to meet obligations when due for the 12 months prior to the date of application.
They are confusing the fact that you have to wait 3 years after a Chapter 7 and 1 year after a Chapter 13 UNLESS you have a midscore of 640 or greater. You will find that the people in the local offices don't always know the rules. I would press them on the issue, but be as polite as possible. If need be, ask for clarification from a supervisor. That's what I had to do when I applied. They had no idea that there was an exception to get approved within 3 years with a 640+ score.
Also, I mention this in my first post and reference the page number in the handbook.
