King Leonidas replied: "By discharged I am assuming that it was cleared off your credit history? If so, then your major problem in getting a mortgage is a lack of actual credit. The first thing someone should do when considering to get a mortgage is to find out what is on their credit BEFORE they get to the bank. Go on to the Equifax site and request a copy for a small fee. Once you have a hard copy of this report you can actually get to the business of seeing what the damage is. Review it to make sure that it is correct as it will list any and all credit "dings" and in ome case these items may be incorrect. From there you may be able to correct any errors by contacting the companies involved. As for the effect a bad credit has when applying, it may disqualify you from any conventional or may result in special conditions and or increased rates by a few % points. The higher the risk the higher the rate."

Jon H replied: "I'm a mortgage broker from Edmonton, & I deal with clients with credit issues all the time. Here's what you have to do if you have a bankrupcy, re-establish your credit with at least $1,500 for 1 yr. You could try and apply for a secured credit card, the type where you have to place your own money as security for the credit card. This will show on your credit bureau that you have re-established your credit. If you do that I can find your 100% financing. If you want more information you can contact me at my website"

Gigi replied: "With a co-signer, they'll take the lower score. You may get a mortgage but at a higher cost."

Lizzie replied: "the odds aren't very good, especially with the economy the way it is. everyone is upping credit score minimums and you'll probably need at the least a 600-640...."