Now if you are waiting for the lapse

Now if you are waiting for the lapse of the two-year period right after you have been discharged from the bankruptcy state, you would have to try your level best to polish your accounts. The credit bureau should reflect accounts that have been paid for and cleared. Another thing is that you would be required to come up with the specified down payment. At least about three up to five percent of down payment would be enough for you to be approved.