I'm attempting to get an FHA loan in the near future. I've heard that the FHA is more flexible when it comes to past credit issues. I have been attempting to settle and cleanup my report for several months now, but was curious if anyone else had applied for an FHA loan with past credit issues and succeeded. I was planning on waiting 1 year until all of my credit issues were corrected, (However, just split with hubby and need a new place for myself and my child, buying a house in TX. is cheaper than renting an apartment), now my need has become more pressing. I currently have 1 charge-off(Zero balance scheduled to drop off in 2004), 2 open collection accounts that I am trying to dispute/settle (2002 and 2005), repo - 4 years ago, zero balance and (2) 30 day lates. I currently have no credit cards. I have received multiple offers from Providian, etc. but I and am afraid that if I start applying it will look bad that I have new accounts. (However, it may look worse that I have no credit cards at all right now?) If anyone has any helpful information, please post away. Thanks.