Be sure you send certified letters registered return receipt to all three bureaus as well as the court house that has reported to the agencies notifying them that they are no longer in compliance with the FAir Credit Reporting Act and that they are violating your rights so that they can get it done promptly for you!
www.consumer.ftc.gov has lots of information for what you need to do!... more
You might be able to get an FHA loan if the lender is willing to go with FHA's minimum score of 500. However, most lenders require a higher score than the minimum---usually around a 620. If you do manage to get a loan with a low credit score, your interest rate and your payments will be higher because you're more of a risk. If you had help, you could probably improve your credit within 6 months to be able to qualify for a better loan. If you would like some information on credit restoration services, I have a contact who will help you restore your credit. They do not charge a monthly fee like some other companies.... more