My wife and I filed for bankruptcy under chapter XXXX on XX/XX/XXXX and was discharged on XX/XX/XXXX. We thought that after the discharged of the bankruptcy we had a clean slate. Since then we have obtained few credit cards and pay all on time. We also maintain our home mortgage payments on time. In other words we have never been late on any account payments since XX/XX/XXXX. 
We recently applied for an Equity Loan from the XXXX XXXX XXXX to effect some repairs on our home and we were rejected because of : Serious delinquency, numbers of accounts with balances etc. XXXX XXXX XXXX based their decision on the fact that all XXXX credit reporting agencies still list on our credit reports all the accounts that were discharged in the bankruptcy. I think is very unfair to based their decision on our financial problems prior to the bankruptcy since according to our laws we supposed to have a clean slate after we painfully were forced to file in order to save our home. 
I am a veteran and I feel XXXX XXXX XXXX should give us a XXXX look