Melissa assuming you meet all of the other requirements (ie: income, down etc) you need to improve your credit score. If you need to increase it only a few points you might do that yourself. but if you need 40 or more points you need professional help. Take a minute and review the short video in the web reference. Email if you have any questions. And please do not dispute your items online. If you do this it is only two computers checking with one another and you forfeit a lot of your rights under the law. - Mon Aug 18 2008, 16:45