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The rule for refinancing after bankruptcy is that you should wait 10 years after filing bankruptcy even chapter 13 so that the bankruptcy is off of your credit and you can get a better chance of getting the refinance. You could try before it's removed but you will have difficulties.

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11y ago
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10y ago

One can work to improve one's creditworthiness by taking out secured credit cards, which are generally easier to obtain. A possible alternative is to wait out the bankruptcy, as the law allows for bankruptcies to be removed from the credit bureau records after ten years. Naturally, one should be prepared to pay a higher price on the loans involved.

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Q: What options are available to those refinancing after bankruptcy?
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