She said we fit the FHA guidlines for the loan, but, she said after talking with the broker they feel we should wait to clear up the three items on on CR that were actually discharged in our BK 1 1/2 yr ago. I have substantial paperwork on this. They are being reported discharged/closed &/or charged off. So that our Credit scores would increase. We were told FHA dosen't look at credit scores, but, she said there underwriters want a higher score before approving the loan. What???? What is the point of going FHA? Sorry, but, I do not understand this. Can someone please clarify.