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How to Buy a Home With Bad Credit

Start by seeing the score mortgage lenders actually use: get your FREE TransUnion FICO 4 mortgage score — no credit card required. Then fix what is hurting your credit, raise your score, and qualify for the home you want.

Buying a home with bad credit is possible through FHA loans, VA loans, USDA loans, land contracts, and creative financing options. Credit1Solutions helps you improve your credit while exploring homeownership paths available to you now.

Our combined credit education and real estate services provide a unique advantage. We help you improve your credit score while simultaneously identifying home buying opportunities — and when you buy or sell through our Mortgage Readiness Center, 100% of your credit education fees are refunded at closing plus a $500 closing credit.

Get Your Free FICO 4 Score · Mortgage Readiness Center · Credit Education Plans

Related Guides

  • Credit Repair Complete Guide
  • FCRA Consumer Rights Guide
  • FDCPA Consumer Rights Guide
  • Credit Bureau Dispute Guide
  • How Credit Scores Work

Your Legal Rights

Consumers are protected by several federal laws when dealing with credit reporting issues related to credit education:

  • Fair Credit Reporting Act (FCRA) — 15 U.S.C. §1681: Requires credit bureaus to maintain accurate information and investigate disputes within 30 days. Consumers can dispute inaccurate items directly with bureaus or furnishers.
  • Fair Debt Collection Practices Act (FDCPA) — 15 U.S.C. §1692: Prohibits abusive, deceptive, and unfair debt collection practices. Collectors must validate debts upon request.
  • Credit Repair Organizations Act (CROA) — 15 U.S.C. §1679: Regulates credit repair companies and protects consumers from deceptive practices.

You may file complaints with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).

Why Trust Credit1Solutions

  • Attorney-backed by Hemminger Law Firm, Consumer Rights Attorneys
  • BBB A+ Accredited since 2015
  • Founded in 2006 — 19+ years of experience
  • Over 510,000 families helped nationwide
  • FICO-certified credit education specialists
  • Full compliance with FCRA, FDCPA, and CROA

Reviewed by Hemminger Law Firm, Consumer Rights Attorneys | Last reviewed: January 1, 2026

Credit1Solutions · 5284 N Dixie Hwy, Elizabethtown, KY 42701 · 1-877-782-7839 (toll-free) · 270-982-4747 (local) · cs@credit1solutions.com

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BBB A+ Accredited Since 2015 · Founded 2006 · Nationwide Service in All 50 States

Mortgage lenders use FICO 4 — see yours free

Before you shop for a home, see the exact TransUnion FICO 4 score underwriters will pull. Fix what's holding it back, then buy with confidence.

Get my free FICO 4 score

Soft inquiry only — checking never hurts your credit. No credit card required.

Credit Report Errors? Get Them Fixed — for Damages.

Searching for credit help near me? The credit education company with attorneys who pursue collectors and bureaus when they violate FCRA / FDCPA — we recover meaningful statutory damages for clients nationwide. Free TransUnion FICO® 4 mortgage score included — no credit card required.