It is certainly hard to live with bad credit. You can, but it will not be a lot of fun. Many have been faced with foreclosures and short sales recently. You can’t live in the past, you must look forward and work on making the future better. Starting with your credit is a good place.
Start by pulling your credit report and assure your foreclosure or short sale has a zero balance. You can pull a free report annually by visiting https://www.annualcreditreport.com/cra/index.jsp
Be sure to continue to apply for credit. Not too much, but lenders want to see a credit history.
Make your payments on time.
Don’t use credit repair companies. No one can remove accurate negative credit issues from your report. They often require an upfront fee and you may not get what you were hoping for.