Spectrum Funding Solutions

I have an investor who is going in with me on a Flip, we applied to Spectrum Funding group. He has experience with previous flips, we both have great credit scores 740+ and the 25% downpayment. The credit checks came back fine but when they did a background check on me the found a bankruptcy that happened in 1999 during a divorce and they are holding that against the type of terms they are willing to offer. They want a years worth of reserves based on a bankruptcy that happened over 20+ years ago. Is there a place that they can be reported because I have never heard of anything like this before. The advertised and initial requirements have all been met. Honestly mad I let them do a hard credit pull and now they are changing the rules.