How long will qualify for credit repair after bankruptcy a mortgage?

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Please provide information about experiance or knowledge of the time it takes for credit repair one after Chapter 7 bankruptcy. All loans through bankruptcy reaffrimed still on track and remain relevant. All information provided will be of great help. Thank you

  1. Reply
    February 15, 2011 at 9:12 am

    2 years as of now FHA 4 years as of now Fanny, Freddie but all of that is subject to change
    I am a mortgage banker in TN & KY

  2. Reply
    February 15, 2011 at 9:37 am

    7 yrs!!! and it also depends on what chapter, you might want to look for a credit repair company they can probably repair your credit in a matter of 6 mths, an charge like anywhere from 800-1200 dollars, but in your case it might be worth it!!

  3. Reply
    February 15, 2011 at 10:02 am

    10 years……….tom

  4. Reply
    February 15, 2011 at 10:20 am

    You can qualify for basically whatever you want immediately after bankruptcy. If you have enough money for a larger than average down payment a bank will be willing to work with you.
    Of course, if you have enough money for that the IRS may decide to look into your bankruptcy a bit.

    The bankruptcy will be on your record at least 10 years after you file – I am speaking from experience on this matter. I filed in 1999 and it is still there….But, I have more credit now then I did when I filed then.

    If you are a man it is easier for you to rebuild your credit. I don’t know why this is, but it is the truth.

    Good luck to you, bankruptcy is not fun, but sometimes a clean slate is the only way to go!

  5. Reply
    February 15, 2011 at 10:45 am

    I used “Credit Solution” to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.I came across this company on NBC News Special Edition.Check it out here:

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