Already have, thanks. Actually bought another house after the 3 year mark when I was eligible for an FHA loan. Luckily, my credit score is pretty excellent. Th

Already have, thanks. Actually bought another house after the 3 year mark when I was eligible for an FHA loan. Luckily, my credit score is pretty excellent. This was back in the early 2000's just before the actual market crash. It was insane to me that banks were willing to work with people that bought houses they couldn't afford but that they wouldn't work with me on a loan modification because I wasn't delinquent.