<prompt> Human: My wife and I are trying to buy a house. 80k is our max. My current credit score is 625. We owe 14k on a car both names are on it 1600 on one credit and 100 on another. both in my nameIn December my wife missed her payment for the car and this dropped my credit from 710 to 580. Ive built it back up but need to boost it faster to get an ideal score of 640. so, should I save the money from tax return 1000 towards a down payment or use it on the credit card?  <response>: Pay off the credit card before going into more debt. 