The fact that you filed two bankruptcy petitions is an historical matter which ordinarily cannot be changed-unless you could show that you never filed them, or someone stole your identity or the filing was not your intent. You are entitled to add a brief statement to your credit report explaining anything on the report with which you disagree, or which you think needs further explanation. That is a very good privilege, which I suggest you use. You may be making a false assumption about being unable to obtain a mortgage, since a number of my clients with one or two completed bankruptcies in their history have obtained fairly large mortgages. You might have to pay a higher interest rate for two years or so. Also don't hesitate to sit down with a bank or lending-company officer to explain your situation. Sometimes they have authority to override existing policies. (Sadly: someone analysing your credit history might look at the two aborted bankruptcies and think that you are the kind of person who flees into bankruptcy to foil a creditor until you can move elsewhere, or just for delay. I'm not saying you are such a person, just that it could look that way.) Good Luck. I expect that if you keep trying you will find a lender.
Answered on Sep 13th, 2016 at 11:21 AM