Credit score is 515, how can I ever get a house loan?

I use Experian to see my credit score.. it says on there I have 4 negative factors contributing to my score, these are 30 days late on payment, short length of credit history, no major credit cards open, and too many hard inquiries. Also, I got a credit card right when I turned 18 (April of 09) and I never paid it off, so now it is charged off as bad debt". Well

ANSWER: For Credit and finance solutions I recommend this website where you can find all the solutions. http://LOANSANDFINANCES.INFO/index.html?src=WP2laykichatbiba

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ANSWER: For Credit and finance solutions I recommend this website where you can find all the solutions. http://LOANSANDFINANCES.INFO/index.html?src=WP2laykichatbiba

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Credit score is 515, how can I ever get a house loan?

I use Experian to see my credit score.. it says on there I have 4 negative factors contributing to my score, these are 30 days late on payment, short length of credit history, no major credit cards open, and too many hard inquiries. Also, I got a credit card right when I turned 18 (April of 09) and I never paid it off, so now it is charged off as bad debt". Well

ANSWER: For Credit and finance solutions I recommend this website where you can find all the solutions. http://LOANSANDFINANCES.INFO/index.html?src=WP2laykichatbiba