Yes, you can truly help yourself to fix your current credit issues.
To start, you need to get a print out of your report from one of those places that
you went to. In it, you'll see the addresses of 3 credit agencies you'll need to write a simple letter where you will demand to remove the erroneous info from your credit report, and where you'd attach
the documents showing that f.e. the Ohio tax issue was resolved (sometimes you also need to get in touch with the county in Ohio where the issue took place - and get the payoff confirmed there, in
writing). One letter - one issue rule stands.
This takes a little time and a lot of patience - but many people have done it and it got their
credit into "mortgagable" territory. It'll probably take from 45 days to 3 months.
In addition to above, you can find a very good mortgage person - who will go over what else you
could do to raise your credit score - and there is a lot that can be done!
Hope this helps,
Beachfront Realty, Inc.