Leslie, make sure you get your answers from a lender..... Not a realtor.
It sounds like you have bad credit. With very little good credit to offset that.... right?!?!!?
Having credit cards in good standing helps, but is not always necessary. Only when people have too little positive credit.
Regardless of what you might read here about "considering other things"..... If you don't have the score, you don't get the loan.
What is your score?
(214) 763-4629 cell/text/nights/weekends(Really!!)
Lending all across the entire Great State of Texas!!
Search Dallas area MLS for FREE. No registration => http://www.ntreisinnovia.net/cgi-ntr/BR_login?0501134