Jesus Christ. Stop. If you’re personal loan is 26% now please do not take out another one right now unless they offer the consolidation loan at like 7%. You’d be better off opening a new credit card with 0% XX months balance transfer promo.

I have perfect credit and no debt and I can’t buy a house right now. Realistically you’re probably 5 years out from getting to a point that makes sense. Pay the personal loan off. Pay the credit card off, and then pay the car off. After that start saving for a down payment. Over time your credit score will increase just from having the credit card open. You don’t have to use it.

Reevaluate purchasing after you a 5-10% down payment.