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      Well your first step is to look up your credit report at Then once you see what is on there you need to start paying it off. I would also try calling your different creditors and ask about payment plans if needed.

      On 4/18/08, aladyfirst2002[/b] <> wrote:

      I am a single mother of three I work 40hrs wk I make 9hr I am not
      getting any support but I am looking to buy a house because I am
      staying in a place that is owned by a slumlord I cant afford to move
      right now. I know that I have bad credit I really just need someone to

      be honest with me and tell me what it is I need to do beside file
      bankrupt which is my next option. HELP!!!!!!!!!!!!!!!!!!!

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