If credit counseling doesn’t help clear the negativity on your credit report, what can you do?
I have bad credit and want to fix it up so I can get a mortgage. I made many mistakes when I was younger and caused my credit score to sink. My lesson has been learned and I make payments on time for everything I have now. I’m sick of renting and want my own house. I read that credit counseling will get rid of your debts, but it will not remove the the negatives on my credit report and my score will not go up much, if at all. What can I do to get my credit score up so I can qualify for a mortgage?