Everything I've read says bankruptcy shouldn't effect your credit after 10 years when it no longer shows on credit reports. All the information we gathered suggested that you need not disclose if you had one in the past, if it had been over 10 years. However, my husband and I were denied credit a month ago (after being...more

A foreclosure occured due to the head of household having a serious medical event that led to temporary disability and subsequent unemployment. It has been 3 years and all is well with health and finances. How can you get a lender to consider the circumstances surrounding the foreclosure and make another mortgage loan.