Sorry I did it but I had to BK7

Sorry I did it but I had to. I filed a BK7 just over 3 yrs ago. I have been a upstanding citizen (ALMOST) since then.

I even had my credit union to give me a loan for 11,000 for a car and have been paying on it almost 2 yrs now over $300 a month and I have never been late.(directly withdrawn from my check bless there hearts)

They have reported that on all 3 CRA and its AOK.

Before I files for bankruptcy I was online alot to these kind of forums. I got advice both ways. I talked to friends whom did it and they said they were able to get credit after and one even a house.

The lawyer whom filed for me was honest and said it will be hard but can be done if I am stable after the first year but to wait till a year to even think of having my credit pulled. (I waited 2 yrs with the exception of my car)

I want to be a homeowner and looks like it wont happen. I have never had a credit card and was told I had to establish a line of credit b4 I try for a house. The problem lies here: I have applied for numerous credit cards (not all at once) and have been denied each time. When I get the letters it states due to bankruptcy...

I had 47 negative listings on my credit report b4 BK7 and when I was in my dispute faze after the BK7 I had almost all removed except 2 (showing BK7)

I even went to the bank and recieved 2 loanliners and borrowed from myself and they show all paid. So why am I always denied. I dont know what else to do. All of my dept b4 BK7 was becuz I was young and dumb most of them being place before I turned 21.

Whatever am I to do. Why cant I get credit. Its just my income and I have 2 kids. Is that what they frown down on these days? What ever shall I do any help is GREAT help...