http://www.creditreport.com/index121.aspx?src=standard&cid=363&tid=57818440  This is an excellent site to go to and check your credit to verify that what is being reported is true.
This is the time and place to dispute any miss-filings or reportings. It is with in your power to improve your credit health and to understand how your credit effects your ability to purchase a home. Log on and learn!

 If your credit does not look so healthy please go to the Valley Mortgage tab and contact Stuart Brown to talk about what you can do to get your credit ready to help you buy a home!