I was overwheled and fell far behind

Have you tried calling your credit card companies to see if you could work something out with them? They might be willing to lower the interest and maybe even set you up on a payment plan. Depending on what your and your husband's score it, it might be a little difficult to get a house right now. Not trying to sound discouraging or anything, but it will really depend on what your and your husband's fica score is. But do call your credit card companies and see what they can do for you and please stay away from those credit repair places. They are pretty much scams and they don't really do anything that you cannot do yourself. Hang in there.

You need to call the credit companies and offer your payment proposals. Your credit will improve after the negative items are removed from the credit file. Presently, the debts are hurting your credit scores and your fair potential to purchase a home. You need to set up a plan with your creditors asap and they will update your repayments with the bureaus. In case you need professional help, speak with a debt counselor referred by this website.