scrap the text for now. go to the tool selection and grab a smudge. (the finger,it may be a water drop until you click and hold so it drops down so you can choose smudge.)
do layer>new layer then Image>apply image (on the top bar areas)
then with your smudge you will look for strength and move it to 90% and lighten.
then press F5 on the keyboard and a box will appear. tell me when you do that
NOTE: message me if you are confused and want a screenshot