I would contact a financial institution and have them tell you what your scores are and than you can start with the credit repair process. By this I mean consult a professional that can guide you on how you can repair your credit. It usually takes 6 months to a year if you really have bad credit to repair but these professionals can really guide you. If you do not want to wait for your credit to bounce back a strong co-signer can get you qualify but not everybody will stick out their neck on this type of big purchase. So, best of luck and hope this helped.