u/Fine_Row_822

Hi! So I own my house. My sister bought it for our mom when she lost her house during the 2008 crap. Mom passed and we took over payments on the mortgage my sister had on the house because my credit was trash.

Fast-forward the house has been in my name for about 3 years. I own it outright. It's got good bones, but my little house needs a LOT of work.

I went to college at 47, so now I have about 30,000 on student debt and about $10,000 in CC debt. High usage unfortunately. And my score is around 600. I have an excellent payment history on my credit cards.

I'm so afraid of doing the wrong thing and getting scammed by someone.

Help?

Thank you