Credit is 1/3 of the qualifying for a mortgage. If your credit is not good it shows an unwillingness to pay your bills so why should you get another bill to pay.
Go to your local nonprofit housing group for credit counseling. The counselor will go over your credit report with you and tell you what you are doing wrong and how to fix it. Listen and do what they tell you. When your FICO is at least 640, you can think of purchasing a home.
Happy to talk to you at greater length. Jim, American Bank, 703 615 4675.