Kelly, not sure what you mean by "options" for credit reports. The credit reports are the standard that the banks use to determine your "loanability." If you credit is low then you have an issue. There are ways to raise your credit and a good lender can help you with that. But your credit score is the #1 thing that banks use to determine whether you can get a loan or not. If your credit is "too low" you can't get a loan, it's that simple.