I have about 3000 in bad debts I want to pay off. Within the next year I NEED to purchase a new vehicle as well as I want to look into buying a house. What should I start to pay off first and what do I do once it is paid off to make sure the credit bureau takes it off. Also what should I do to get some good credit? All I have as showing good credit is my car and my student loans. I have credit cards paid off from YEARS ago but other than that nothing good. I was kind of a dumbie about credit when I was younger. Also should I try to get a loan to pay off all my debt and then pay it off within like six months? Just wondering thought that might eliminate all my bad credit and create good credit.