Check out NACA. https://www.naca.com/nacaWeb/index_main.aspx
It's a non profit designed to assist people get a handle on their money, improve their credit scores and help them with mortgages once you're ready. It's not a quick process but worth it in the long run.
generally with at least a 600 median credit score you can buy a house....if you want soemone to call the mortgage broker I use and has helped many people in your position in the past is Chris Ayer 704-771-3954.
Then, start using those cards - and making regular payments on them - for your daily expenses such as gas, groceries, etc. After about 6 months of regular use and solid payments, you should start seeing your credit score improve (barring any other issues that may come up outside this particular topic...).
Responsible use of secured credit cards can be a great way to help reestablish good credit. For more info, give this page a read:
Hope that helps!
New Home Consultant
Have you consulted a mortgage rep? You will need to get that credit score up. The rep will advise you on where you need to be and what steps you need to take to get there. While you are doing that, save money! If you need a rep's name and number, please contact me and I will gladly give it to you. Good luck!
Wilkinson & Associates, ERA Powered