All the best to you!
Have a lender pull your credit and identify the worst items effecting your score and then hire a reputable credit repair company to help you get it all fixed up.
She can run your credit, identify the issues and give you a game plan to work towards improving your credit. Then when you're ready I'll be waiting for you with open arms! :0)
Congratulations on taking the first step. Fixing credit depends on what is/was wrong with it, but the basic steps are to pay bills on time or early. Use, but do not abuse credit. This means only buy on credit what you can pay cash for. When you get stretched out financially, you get stressed out personally and things go down hill. Keep your balances low. If you have collections, pay off any recent ones, but not older ones until instructed by your mortgage lender. Do not close any accounts, but if you feel tempted to shop for what you can't afford take the cards out of your wallet and put them away.
It's good that you've considered purchasing a home. It could actually be cheaper to buy rather than rent. Even if your credit isn't that great as I do have a mortgage product that assist people with purchasing property in specific areas. There's also down payment assistance money available for Illinois & Indiana that provides $6,000, $7,500, $10,000 and $15,000. You can couple several down payment programs together which makes for a larger down payment. The downpayment programs have some restrictions so please call me to discuss them in detail.
Coldwell Banker Residential
Cell: (847) 815 - 8229
My brother is a lender and can help you get your credit fixed for FREE.
American Portfolio Mortgage Corp.
5165 W. 111th St Alsip IL 60803
NMLS # 230202 IL License # 031:0007342
IN License # 175656