Yeah, it’s definitely not a one-size-fits-all thing. When I refinanced last year, the big bank barely glanced at my old bankruptcy—just wanted to see my recent payment history. But the local credit union? They wanted every detail, like I was applying for a security clearance or something. Sometimes I wonder if they just like the paperwork. Either way, it’s not as simple as “old is better”—depends who’s looking and what mood they’re in, honestly.
Honestly, I’ve seen underwriters act like old bankruptcies are ancient history... and others treat them like they happened yesterday. Sometimes I think it depends on whether they skipped their morning coffee. Did either lender ask about your job history or was it just the bankruptcy paperwork marathon?