Need advice

Albany NY

Description

I'll try and make this short. I'm 27, 1 toddler and another one on the way. I have about $5000 in debt that's affecting my credit score and living paycheck to paycheck is barely helping me to pay it down. My credit score is slowly going up but still under 500 and there is no way I can get a loan to help pay everything off. It would help so much though so that way the loan would be the only thing I would have to pay off. I have a car but check engine light is on and no one is sure what's wrong with it so I don't drive more than I should. What are some ways I can pay this down to help increase my credit score and be able to one day get a better car or even buy a home? I would love to do that one day. Just need some advice or suggestions please and thank you.