Buying my first home and off to a rough start.

We are in the middle of purchasing our first home,well more like still looking to buy. We started looking and then realized there was some things to fix on the good old credit report. Like a lot of Americans credit reports showed a bit of problems. Things that had not been paid that we did not know about. For instance, hospital and doctor's bills that had never been submitted! Now how did they not submit that to the insurance 5000 dollars of it. So, after I called my insurance they went back and fixed it so from 5000 it went down to only 700....more