So I got about 6000$ of personal loan dept and items I've purchased and never paid off. My credit history is only about a year old with about 7 accounts open. I'm looking too buy a home in the next few months and my question is should I get a secured credit card too raise my score or pay off my debt. My credit score is about 460. I'm currently in a position too save money living at in-laws house and have about $2000 saved. A family member is trying too sell me a nice home for a very very very good deal, but I need too act fast. If I pay off my debt I'll be debt free but might be lose my opportunity and also be stuck here longer. If I get the card I see myself saving even more money and successfully keeping up with the card. I just don't know what path too take.
