Hello I am a 30 year old woman who want to purchase a home before Jun 30. The bad news is that my credit sucks. Besides Student Loans-- I only have 2,000 in bad debt. Most of it is collections and charge offs from small credit cards. And this was really late charges. One of them was like 200 bucks. I may 80,000 a year-- and also get 1,3000 a month in tenant payments. Is there any hope for me?