First .. Talk to a good loan office who can run your credit report and who is willing to spend time with you going over what needs to be done.
Pay all your bill early or on time. Pay down the credit cards and and any other revolving depbt to the amount your loan officer suggest. And save as much money every month that you can.
If you end up needing the service of a credit repair company be very careful. Do not pay up front for services to be preformed. They should charge you after the work has started and be willing to spend time going over exactly what they will do and how much it will cost.
If you would like some referrals please do not hesitate to call or email.
Best of Luck .. Bruce Erickson, cell 214-213-6382