Thank you all so much for all your help. That is sice nice to share your experiences.
I followed some guidelines noted on this site and pulled my and my hubby's report via annualcreditreport.com. His scores are 514, 537, and 587. I then disputed all items stating that they are included in the bk.
I will look into capital one and roadloans. With the mortgage crisis I wonder how challenging it'll be to ourchase a home. Our current home is now in foreclosure. We bought it 2 years ago for 672k. A home, the same model, was just auctioned for 199. So, on that end it was a great idea to discharge the home in the 7. After the foreclosure I hope we can rent the house for at least 6 months. I want to move to Houston and I hope I can buy something after 1 year.
Also, when looking at seasoning...should you look at the date a bk was filed or the date the bk was discharged?
Thank you all again for your help.
Tonya