Your credit history or credit profile is extremely important to you, because it significantly affects your ability to get a mortgage. Because a home mortgage involves lending a large sum of money, lenders look at how you've paid other loans and debts to indicate how you will repay your mortgage. When your credit is less than perfect, all other qualification criteria such as equity, stability, income, assets, and so forth, play an even larger role in the approval decision.
Lenders understand that there can be legitimate reasons for credit problems.
You might have experienced unemployment, illness, or other financial difficulties. If that happens, it's important to discuss it honestly with your lender and prepare a written explanation of your situation. Continually protect and improve your credit now, if you haven't already done so. Resist the temptation to overextend yourself. Pay all of your bills on time.