I am wondering, what do they do when they do a credit check? What exactly is an FHA? Let's say i do get all 3 of my credit reports clear, do they still do some other more thorough credit check, checking the public records, etc.? For example, if I still have a judgement filed in a courthouse, but was able to get it removed.. or if I am in Chex or if I am in SCAN for example... do all these show up even tho my records are clear? Also generalyl speaking, what criteria do they look at? I've heard a few are: 1) not a lot of open accounts, available credit 2) no unpaid debts within the past 2 yrs such as chargeofss, etc. (so do they check your CR for this or can they find out some other way?) ..also what about your first home purchase - isn't there some break or some help involved in this? Thanks in advance everyone..