That's pretty typical for a thin file. If you don't have 3-4 active/open trade lines in good standing for 12 months, they look at nontraditional lines of credit such as rent, utility bills etc. I also filed BK twice in 2003 and 2005...a 7 then a 13. I had to provide my Chap 13 filing papers plus the discharge letters for both BK's. The 13 fell off my reports Oct 2012 and the 7 will fall of Aug 2013.
So the paperwork requested is all pretty standard for preapproval. But in my case, I met my LO in the model home one Sat and I handed him all the docs he requested in advance and he entered it all in the computer and then asked for my permission to run my credit and then he told me I was preapproved. The salesman came back in and we walked to his office and sat down to draft up the Contract and sign it.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13!
Last App: 4/5/13 Gardening until July 2014