Good Morning Katlin,
You are best to first meet with a qualified mortgage loan officer who can give you a free preapproval and pull your credit. The lender can review the credit bureau with you and look for any discrepencies, as well as guide you to the best way to putting yourself in a better position to purchase a home if needed based on credit.
If you should have any questions or would like to start the preapproval process, please contact me at the below phone number or email.
Nick Nelson (NMLS#384413)
Mortgage Loan Officer
1st Step Mortgage Group
815-289-0880 - Cell Phone
email@example.com - Email