Refinancing Home Equity Line of Credit after bankruptcy

[rockobuster]

We filed chapter 7 in March 2005 and were discharged July 2005. We currently have a Home Equity Line of Credit at 9.75% (not fixed) that continues to go up every month.

Does anybody know how long we need to wait to see if anyone will refinance the loan at a fixed rate, even the mortgage company we currently have the loan with?

[FilingOnMyOwn]

Theres no set period of time, what you need to be doing now is fixing your credit reports and getting your credit score where it needs to be.

[Minnymouth]

Check you credit report and see if you need to fix any disputes.

Then contact your present mortgage company about refinancing. If they will not work with you contact another and see what they tell you... They will tell you how long you would have to wait and roughly what your credit score will need to be to refinance....

Hopefully, you present mortgage company will work with you on this..

Keep us posted.