You are probably looking at about 2 months+ to repair credit issues. There are lenders who can put you in a repair/consultation program for next to nothing. $250 to repair things and get you on the right track is money well spent. I have a lender who will put you in this program and then apply that money back to you once you close on a house with him. Please email or call me for further details and more help. You can also obtain one copy of your credit report free annually. If you go to this site, http://www.freecreditreport.com/
you can access your report and pay $1 for your credit score. Once doing that, you'll cancel the free-trial so you don't get charged monthly. Once you start working with a lender, you'll be asked to provide lots of documentation for your report "fixes" as well as anything that changes. IE. work history, payments into and out of your bank accounts, etc.
I'm always here to help and look forward to hearing from you,
Jenni (919) 628-9936