You have to first Repair your credit. The link below Mike Watson is a very good person to get started.
Once your credit is ready to go then you can think on moving with the purchase of your home. The higher the credit us the better perks you can get. Specially interest rates and the down payment.
Mike works here in Otay lakes and he can take care of you.
I hope this helps.
Once you are ready with your credit please let me know and I will be more thank happy to help you find a new home.
Edwin, have you run DU or LP on a file where there is a dispute on a credit line? I am not sure exactly what you are saying in your first sentence though, where you said "will afect or no", but I will tell you it doesn't matter what kind of account it is, it will be picked up.... more
It's not wise to remove an appraisal contingency. It's designed to protect you from an appraisal coming in lower than the agreed upon sales price and depending on your financing potential required repairs.