1) Get your CCS and Loans down to zero.
2) Can't get em down to zero get em down to 29% utilization or lower.
3) If you have Collections, pay them off.
Mortgage Underwriters WILL go over every penny you owe. Means, the more you owe other people the LESS you have for your mortgage payment.
Lastly, forget about the score. The data the bank sees when considering your app you will never see it. Besides, you'll already know what they're looking at because these are accounts you've paid in full.
