The first step is to have an experienced loan officer who is practiced with VA loans look over your credit. Because loan offiicers work with credit everyday and have the incentive to help borrowers with their credit experienced loan offerices are your best bet. There are two articles on credit at Your-Road-Home.com that will serve you well. Also check the article, Consultation Interviewing Loan Officers. Also read article #9 on the MCC tax credit for first time home buyers. The best tax credit ever. So my advice is gather all the information you can than interview a loan officer to look over your credit. You will find loan officers and real estate people from your area on Trulia offering their services. A good source. Perfect timing! It will be a very long time, if ever, before there is a time as perfect as this to buy a home and the VA is a the best loan going. The VA is devoted to helping vets buy their homes and thanks for serving the nation.
Best of Luck, Stephen