My Dad was stationed at Fort Leavenworth, I attended 5th grade there!
Obviously, "not all that" is not a technical term when discussing credit. It is impossible to give you advice or encouragement based on that, plus, a loan application for pre-qual or pre-approval reviews much more than your credit score to determine eligibility.
In regards to credit companies, there certainly are plenty of them out there, however, it is hard to judge their effectiveness. Did you know that most loan officers will help analyze your credit and help you develop a plan for improving your scores without cost? This avenue may prove to be your best choice.
Now, on to advice from folks that are not licensed loan officers. First, there ARE lenders still doing FHA below 600, and even more offering VA below 620. Certainaly, not all lenders, however, they are out there. Obviously, the higher your scores, the more lenders will compete for your business. My simple advice is pick a great loan officer and work with them to get you from where you are now, and into the home of your dreams.
Good luck! Jim, American Bank 703 615 4675 We proudly serve all 50 states!