Starting out (eventually) but could use some advice!

[Frank Williams]

Hi everyone,

Thanks for the amazing platform and helping new investors get acclimated in the world of real estate! My current situation - I have a FICO of ~630 (no late payments or derogatory marks, just credit card debt from school).  I have a debt to income of ~30%. I will hopefully be able to pay some of my debt next February which would in turn hopefully boost my credit score.

So my question is: What do I do in the meantime? I am doing a ton of reading, but I feel I can be doing more. Also, does my situation currently take me out of the running for a potential mortgage? It is hard for me to plan when I feel that I am not a candidate to begin RE investing as of right now.

Thanks!