<prompt> Human: On mobile so pardon typos.So Ill start out by saying the houses Im looking at are in the 60-70k range. It would just be me and my dogs. I am currently living with my boyfriend but that relationship has run its course and I will be leaving him, hence the house. I am eligible for multiple programs including FHA 1st time homebuyers AMD a local program that would pay 3,000 towards the closing costs. FHA only requires 3.5 down so on a 70k house thats just shy of 2500 which I have safely tucked in a CD so I cant easily get to it. My problem is my high credit card utilization. I plan on paying them down over the next 8 months Im looking at May to purchase and that will raise my credit score but my question is this: should I pay off each individual card in full or should I pay them equally per month. I dont really want to end up with only one card that is maxed while still maintaining less than 30 usage overall. What do you think?  <response>: Sorry probably not ready for a house yet need to get out of debt and get a bigger emergency fund. A 70k house will need repairs pretty regularly 