Having poor credit can be a devastating occurrence in life. A bad credit report closes doors to financial options and opportunities. There are a few steps you can take to start repairing your credit now. An imperfect credit rating can make financing a home even more difficult than normal. Look into alternative financing options like FHA loans. Even when the resources for making down payments or paying closing costs are lacking, FHA loans can help. If your credit card has a balance of over 50% of your limit, it should be your number one priority to pay it off until the balance is under 50%. When balances are over 50%,…