OK, here is the scoop. I filed chp 7 and it was over last july (2004). I figured my credit score would really be in the tank. So, today I checked on myfico and got EXP 701 and TU 693. Wow, I was amazed!!! I have not done any credit repair of any kind and my score is not that bad really (is it???) I had a long credit history and had NEVER missed a bill (even to the point of being obcessed), so I guess that is why it is not so bad. The question is, for all the experts out there: I am applying for a mortgage...so, do they look at the BANKRUPTCY in the public records section and just say NO!...or do they look at the score. This would be on a first time buyer purchase. razor
