Why does someone with a good income have no savings and a poor credit score? The answer has to be poor habits and bad decisions. It may be better to ask what you can do to improve your poor credit score and create savings.
Increasing savings is simple — start making regular deposits. As to the credit score, you will earn a better credit score by paying your bills on time.
Under current conditions, I wouldn’t be looking to buy a home right away because the cost will be considerably higher.