Help is always available for those who ask. I commend you on your desire to re-establish your credit and start new.
As others have stated earlier, there are different ways of correcting your credit.
There are companies available that will assist you for a fee and that may vary depending on ow long it takes to get your credit cleaned up and so on and there are others who will provide a service to assist you who don't charge a fee, but it's up to you to follow up wit the details.
The problem you will likely have is that you have a life. The time and energy it takes to correct these kind of credit issues is sometimes so overwhelming that you get lost in the mix.
What I would advise is that you find a decent company with reasonable fees that will work with you.
I do have a contact that I use who does that in the event you are not able to find one suitable for your needs.
Good luck to you and remember that if you need further help I would be happy to assist.
Ph (480) 220-7491
Fax (866) 711-8573
Keller Williams - Scottsdale, AZ
2008-2009 Master of Real Estate award recipient
There are many progams for first time buyers! If your in the looking in the Phoenix metro area feel free to contact me!
I have some great references for lenders.
Feel free to contact me anytime!
Windermere Central LLC
If you have stable employment and little debts, many first time buyer home loans are not credit score driven. So, there is help. Also, Phoenix will be part of the $700Billion bailout and will be receiving about $39.6Million of it. They will use the money to help buyers with buying homes in areas where there a a lot of foreclosures.
So, yes, there is help available.
Buyer's Agent REALTOR