Credit is king.
Unless you are buying a house with cash, your credit score is the most important factor in determining the type of loan you will obtain with the best interest and payment options. People tend to panic if they have a low credit score and delay the process of home buying without being aware that they can repair credit quickly with the right steps.
Finding a plan and following it strictly makes a difference. I suggest that people with a low credit score, or even a non existent credit score consult a credit repair advisor. Credit is confusing and tricky, creditors do not make it easy for consumers to find information or teach them how to make payments correctly. For example paying off a creditor in full is not always the best way to up your credit score. A credit repair specialist has the tools to obtain reports that are buried or go back in time. They can also find out if there are fake or erroneous items in your credit file. Credit repair specialists can take the stress out of improving your credit and can do it more efficiently and in a more timely manner than the average consumer.