Look for a credit repair agency that is legitimate. There are a number of shady operators in the credit repair business that can cost you money and do nothing for you. Sadly, many people have fallen for credit repair scams. You need to research customer feedback so you can determine if a company is trustworthy or not. You can easily get a mortgage if you have a high credit score. When your mortgage is paid in full, you will be rewarded with increased scores on your credit file. Owning a home shows financial stability, which is great for your credit. This will be very helpful if the time comes where you need to take out a loan.
You may feel some pressure to go with a payment plan or send in big payments that you cannot afford when trying to fix your credit. Know exactly what you can afford to put towards your debt before attempting to deal with creditors to avoid promising more than you are able to comfortably pay. You will hurt your credit more by not following through with deals and it will not be worth your efforts.