They can assist you in looking at your overall circumstances and set a plan of action. You will need to put these down on paper and then start toward paying off any debt. One successful couple we know meets once a week to discuss their budget and review their goals. If you do not get your joint financial life under control it will continue to affect your overall relationship. I know I have to restore my credit worthiness.
Houses have a lot more cost than just the original purchase and the mortgage payment.
You need to understand all of these before embarking on home owership. Start saving for that downpayment. DCA has warnings on their site about these credit related scams. Typically an employer will match the first five percent or so. Your Human Resources department can advise you best on how much the company matches and how to adjust your contributions accordingly.