What you need to do now is keep paying rent and correcting your bad credit. Live within your means. You need to pay every bill on time, pay more than the minimums on each credit card, stop using credit, reduce number of credit cards you have, reduce number of credit cards with balances. Credit problems from when you were a kid would not continue to be a problem unless you are continuing to make poor choices. Repair your credit by taking above steps. In 6 months, your credit will be better, in 1 year, it will be good.

Save for a down payment for the home you want to buy. The days of no down payment and mortgages for those with bad credit are GONE, haven’t you heard endlessly about the mortgage crisis and housing bust? You can do it! But wanting and whining aren’t going to get you there nowadays. And there are LOTS of scammers out there, so beware! Take responsibility for yourself and your actions and follow a plan.References :