Following up on my app from last week. I received a letter in the mail today. Denied for the following reasons -

Credit report reflects a bankruptcy

Credit report shows a tax lien, public record or collection

Credit report reflects charge off(s) or bad debt collection(s)

I guess all of the above is correct -

So, bankruptcy - check

Tax liens - check (a few of those)

Bad dept/collections - check

All of these were from before my bankruptcy that was discharged 2/2010. Report was pulled from EX.  They don't list anything that makes me think that I'm listed because of the account that I had with them that was included in my BK. 

I wonder if I should bother trying again in 2 years or don't bother until the BK falls off. That will be gone before the tax liens are.