Define 'bad credit'. Many people think they have terrible credit when it's really not that bad. You can reach out to the company suggested below. You can also talk to a local mortgage banker. The banker will look at your situation and tell you what, if anything, you can do right now. If not now they can give you some tips on how to improve your credit and how long it will take for the improvements to show up on your credit report. A lot of times they will tell you what needs to be done and you can do it yourself, but I must say, if Tari is correct, it's a small price to pay to have someone do it for you. The process can be very time consuming.