I'm no expert on bad credit. But #2 is totally BS. Don't pay anyone a fee for helping you with your credit! And that nice broker who is going to refer you to somebody - dump him, remove his email and phone number and name from all contact lists and memory banks in your brain. It's all a scam.
#1 might be a good idea as long as they do not charge you a fee or do not want access to your bank account. Don't let anybody have access to your bank account.
Were I you, I'd forget about buying a house until you get the credit scores fixed, save up for a down payment, and save up for an emergency fund. Just erase that idea from your brain until then. You need time to straighten out your life (both psychologically and financially) before you do something foolish and make this worse.
Here's some articles from reasonably reliable sites for you to read.
7 Simple Ways to Improve Your Credit Score | Bankrate.com
Improve Credit Score: Tips to Fix Poor Credit & Raise Your FICO Score
https://www.consumer.ftc.gov/article...-help-yourself
And when you've got the credit and debt thing fixed, start reading some books from the library to educate yourself about buying a home.
I don't often recommend him because I think he's a zealot, but it does sound like you might be a good candidate for
Dave Ramsey.