<prompt> Human: We both have credit scores incredibly low on the 300 range and desperately want to increase our credit scores so we can get a two bedroom apartment when our lease is up since the kids ware getting older? We both make about 11.85 an hour and still have to make ends meet. What can we do to get ahead and improve our credit. Also neither of us have credit cards and I know I owe Wells Fargo somewhere around 2,200. I was an idiot and made stupid financial mistakes, is there anything I can do to immediately start rectifying this situation?  <response>: I know a fantastic credit hack that works every time.Step 1. Pay all of your debts in full and on time.Step 2. Repeat step 1 for years. Preferably forever if you care to maintain good credit.Thats it! 