Originally posted by @Mark Sewell:
Maybe you can work for some other investors in your area? Drive for them, do some door knocking, appointment setting, some other part-time stuff that they need done. Start chipping away at it, and learn while you earn.
The Beginning of your statement sounds like bird dogging but i get what your saying.
and overall these are some great advice and all these apply to all of those that have this same problem right now, i always believed that trying to get loans searching online or asking around which isnt a bad thing to do but the likely chance of someone getting a loan to help them out with a credit score this low is unlikely as some of ya said, so there is only one way to do that and that is to work and pay the debts off, mainly the utility bills that need to get tended to especially if you wanna live in your own space again, or if its for the first time.
We all had some unfortunate circumstances in life, Death in the family, force to get bills put in your name by someone so they didn't take the blame of not dealing with those bills themselves, and that's someone you don't wanna live with trying to push everything on you and make it your responsibility, sad reality but at the end of the day it gonna be your responsibility anyways later on. So if you dont want to be in this situation, work and pay off the debts regards of how your situation was before. It will be a challenge but it will help in the long wrong say 5 years from now if you stay the course Financially.
In my case i worked few jobs and i knew i had to pay my debts off, im still paying them now, at one point when i was ready to pay but couldn't pay because my check wasn't a lot and company's wanted me to pay the whole bill off i couldn't do that, some people will run into that problem, if you got a cable bill that some cable provider wants you to pay off the whole bill you can do that all you have to do is save up into the next week depending on how you get paid at your job weekly bi-weekly.
Again it's only one way to get your credit score up if its lower then in the 400s or lower, working and paying off the debts.