OK here’s the deal, my husband and i have lived in the same home for 6 yrs. We have outgrown our home due to having a baby. We don’t have good credit, and last night I went and tried to get a credit score and it said “We’re sorry we could not generate your Vantage score because there have not been any credit accounts reported or consumer initiated inquiries occurring in the last 24 months.” But it still charged me for the score??? What does this mean? We want to buy a home before the April deadline on the first time home buyers tax credit. We want to get an FHA loan and we have about $ 4000 to put for a down payment. A few years ago i had great credit, had a miscarriage, got depressed and spent more then we had coming in, I have fixed all that debt except for 2 accounts. And its been years since we’ve done anything with credit cards because we’ve been scared to screw up again, but my credit reports still show that I have 8 potentially negative items on my report. I have gotten a secured loan to put some good activity on my report but they told me it would take 3 months to show that good activity on my credit. What do I do? We’re clueless, and really want to put our monthly payments towards “our” home instead of throwing it away and putting it towards our landlords home.