It isn't the score as much as the reason for the score that will likely be hurting you.
Old bad credit isn't a problem.
New bad credit is a problem.
No good accounts to offset the bad stuff... a problem.
The above link is to a free book about credit. Read it and provide me with a credit report and we can talk about what you need to do to be 'Mortgage Ready'
(214) 763-4629 cell/text/nights/weekends(Really!!)
Lending all across the entire Great State of Texas!!
Search Dallas area MLS for FREE. No registration => http://www.ntreisinnovia.net/cgi-ntr/BR_login?0501134