The biggest problem I see is folks trying to fix their own credit because what seems like the right thing to do sometimes is the wrong thing to do in the eyes of the credit bureau.
Credit repair is not always logical...
Center for Financial Health is a wonderful resource. They sometimes have to put appointments out for a while however. In the interim, there are some loan officers that I would be happy to recommend to you.
We would be honored to help you.
Keller Williams Realty
Make sure you get everything current. Delinquent accounts really weigh down your score and make you look like a bad credit risk.
Write some letters of explanation for the negative items on your credit report. Your loan officer will be able to provide them to the underwriters and they can take your explanation into consideration when they are making their lending decision.
Seek professional help: the Center for Financial Health, a non-profit agency, offer Financial Fitness and Home Buyer Education courses as well personal counseling to inform you about your options and educate you about the home buying process.
Here is their phone number: (517) 708-2550.
A good agent will help guide you through this process. Feel free to contact me if you would like any assistance.