Get good credit....your scores need to be higher. How do you do that you ask? The first thing I recommend is to pay off what you can to reduce your high interest credit cards. If that isn't possible, call the credit card companies and negotiate a lower interest rate and pay schedule.
Go to: www.optout.com enter your address and opt out to stop receiving credit card offers. It will instantly increase your score. It tells the credit reporting companies that you aren't going to apply for more credit.
Next, call a mortgage lender - they will tell you how to better your credit for free (in most cases.)
