About my debts

Welcome Weare... if not credit cards are they loans? We may need a little more info before being able to help u out!
If u feel comfortable plz post a little more about ur debt and someone will be more than happy to help ya out!
Good Luck,
Ang

Welcome to the Community :D Like Ang said, we need a little more info about your debt and what kind-no personal info- then we can direct you int he right direction. I deleted your duplicate posts- feel free to ask questions..Karen

You can get back your credit by paying all your bills on time. As your payment history is the most important factor that affects your score. Being late on any bill, for any length of time negatively affects your score. The second most important factor is your debt to credit limit ratio. Keep your credit card balances low, as using most of your credit card limit on a regular basis is likely going to hit your score. You can also establish a good credit history by using some one????????s good credit; you can do it by asking someone to co-sign a loan for you or by being an authorized or joint user of someone????????s credit card. The advantage of having a co signor is that you won????????t have problems in getting qualified for the loans. However, in my opinion you should first think of bumping up your score. Once you have a good score, you can buy a home for you. And trust me with a good score you will have lenders giving you loans at favorable interest rates.