Federal law entitles consumers to receive (1) free credit report from each of the reporting agencies.
http://www.annualcreditreport.com would be the portal to visit if you're looking to obtain your free credit report.
You may or may not have some accounts in collection. You should clear those up as soon as possible. Lenders will require that you do so, regardless of credit score.
Setting collection accounts may not raise your score, however, you may very well qualify (give it a month after settling for your report to reflect the payment) for a credit card from capital one.
Your score should improve within a matter of a few months (hopefully getting to that 620 threshold that most lenders require).
A mortgage broker or loan officer would definitely be able to provide for better guidance depending on the particulars of your situation.