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Old 04-22-2008, 09:00 AM
 
3 posts, read 5,909 times
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My husband and I had filed bankruptcy, it has been discharged for 2 1/2 yrs.now. I spoke with a mortgage lender about getting prequalifeid for a loan and when he ran our credit report he told me that we did not have a credit score. That seems really strange to me because a year after the bankruptcy was discharged I had a score of 666. Since the bankruptcy we have not established any new credit in the form of credit cards or loans,but we are not late on any of our bills. Why would we not have a credit score is my question? Does this make any sense to anyone,if so please help me out.

Deree
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Old 04-22-2008, 10:24 AM
 
Location: Charlotte, North Carolina
5,137 posts, read 15,666,340 times
Reputation: 1008
If you haven't had any history in the last 6months then you may not have a credit score. The BK should be on your credit report, and should be reporting a credit score.

I would look into FHA as they dont require a credit score.
You will be required to show 3 nontraditional tradelins and maybe in addition to rental history.

Quote:
Originally Posted by deree View Post
My husband and I had filed bankruptcy, it has been discharged for 2 1/2 yrs.now. I spoke with a mortgage lender about getting prequalifeid for a loan and when he ran our credit report he told me that we did not have a credit score. That seems really strange to me because a year after the bankruptcy was discharged I had a score of 666. Since the bankruptcy we have not established any new credit in the form of credit cards or loans,but we are not late on any of our bills. Why would we not have a credit score is my question? Does this make any sense to anyone,if so please help me out.

Deree
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