I have found that CONSUMER ACTION is an excellent resource for objective advice on all things credit related. You'll find free and sincere advice on everything from settling collection accounts to rebuilding credit to building credit from scratch on their website http://www.consumer-action.org/.
Beware of anyone offering to "repair" credit! The Federal Trade Commission issued a stern warning last year that such offers are scams. Find more from the FTC HERE. http://www.ftc.gov/bcp/edu/microsites/moneymatters/dealing-w
Please give us a call to discuss! Beth, Evelyn and Bess at Ralston Creek Properties 720-484-8608
Colorado Mortgage Alliance, David Thomas 303-467-7676.
If you haven't already done so, I would also engage a good buyer's agent. to help you with questions like this and who knows how to educate first time home buyers. I am happy to help if you would like. I work the Jefferson County area and have helped many first time buyers navigate the waters. Let me know how I can help.