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Credit counselors don't "fix" your credit. They set up payment plans with your creditors to reduce interest and fees / consolidate. So if you have $20K in credit cards at 20% interest they might reduce that in half or nothing at all. It's in the banks best interest to negotiate because at least they get some money rather than you default. The problem is too many people until all their cards are charged off and THEN they try to get help. It's too late at that point. Your credit is already hurt.
You'll be able to buy a house, car, and anything else you want but it will take TIME. As in love, time heals all wounds. Seven years to be exact. (that's how long the bad marks stay on your credit, 10 for bankruptcy).
Find a trusting coborrower to get your apartment. Have them cosign for a car loan and rebuild your credit. Don't get yourself in too much debt. Just because someone gives you a little rope it doesn't mean you should tie it around your neck and hang yourself.
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