Before you go and spend money on credit repair you should look into my program. I offer a mortgage that does not look at FICO scores, just recent behavior on your accounts. in addition there is no down payment, closing costs or mortgage insurance required.
I am doing a workshop on the 25th, that is the first step in getting started in my program, where your file will get opened soon after you attend and you will learn the requirements and how to get the approval as soon as possible. If even if you're not ready right now I will coach you on what needs to be done to get you there. The information is below, if you have an agent invite them to come with you, they will want to learn about this program so they don't make the same mistake as the agents on here that advised you to go to credit repair.
Christian Stronghold Baptist Church
Time: 9:00 AM - 1:00 PM
6810 Samuell Blvd
Dallas, TX 75228
You can also get details on the program at http://www.naca.com.
Mortgage Counselor - NMLS 280951