<prompt> Human: Hi personalFinanceI need some advice on increasing my credit score so I can buy a house in the next year or two as Im 26. This is my situation:I used to have 15k in credit card debt 16k total credit line. Yesterday I dropped a bunch of my savings onto it and reduced it down to 6.8k, and I plan on throwing about 2.5kmonth at it. Hoping to have all of my cards paid off by the end of July.I got a car back in January with an 8 rate I had bad credit 600. Current payment is just under 600month. I plan on refinancing this the second half of the year since my credit score will hopefully be improved.Student Loans: 17.8k private 172month 33.2k federal deferred until October then 300monthCredit Score: MintCredit Karma 512018: 613 Vantage 3.0 Discover FICO 432018: 638 TransUnion AMEXChase FICO 442018 472018: 626 Experian Citi FICO 32718: 609 EquifaxMy current monthly income after taxes is 5300 and rent is 1200month with utilities and suchThe problem that I have is that I have 6 missed payments on my cards on 2 Chase cards, from back in 2015 and 2016. My question is, what is the best thing that I can do to increase my credit score over the next 1-2 years so I can buy a house? On top of this, should I aggressively pay off my car and private student loans after finishing paying off my credit cards and refinancing my car or pay the minimums and save up for the downpayment? Edit: Credit Karma score simulator says my credit score should be 686 after paying off my cards  <response>: I would suggest first you get your debt in order. I would honestly say that you are a few years out from a house. First things first is get a few months efund then kill off your CC debt ASAP. After that go hard at your car and try to pay that off as fast a possible.Then move on to killing at least the bad student loans. After that is done start saving for that 20 down. To be blunt 1-2 years to by a house is not looking promising. You might be able to pull it off in 5 but you need to save and get your debt in order. 