Yes, it was our first mortgage. Apparently at some point during the bankruptcy it was turned over to American Home Mortgage Services Inc. They reported in 07/2006 that the debt was included in CH 7 BK and showed no balance, no payment due etc...but did show the prior lates before the BK. Then all was quiet for three years until 05/2009 when they for some reason reported the same information mentioned above, but with a new report date. I contacted American today and they had no record of the acct. number shown on my bureaus. Couldn't retrieve the acct. by name, SS#, property address and everything else the guy tried. So he gave me a fax number to fax a letter to stating the problem and said that they would respond in 48-72 hours. I guess we will see on that part. Now back to the problem...So when we went through DU today, it makes the computer think that the lates are recent because of the recent reporting. Normally, it would then go to manual underwriting and the underwriter would override it because it is part of the BK. But when we go to manual underwriting, the underwriter wont override the late pay we had on our car loan 02/2009. He says that the late has to be 12 mo. old. At least that is what the loan officer is telling me. That is why I want to know if all manual underwriters have the same guidelines to follow, or if I would get it overridden elsewhere? We need to get this loan closed now. We have already moved into the new house under a lease agreement. I cant move again 