<prompt> Human: Title says it most. We are looking in 200-250k range. We have 10 down already saved. My effective income as determined by two years tax returns is 7kmo or 84kyr. My credit score is currently 635. I need at least 660 for my credit union to approve me. I have two collections on my credit, both for the same ATamp;T debt of 387. I paid the more recent one yesterday. How do I get the other one off my credit? I have 3 new lines of credit which are negatively impacting my score. All three were opened in last 6-8 months. I have a lot of debt. I owe 28k on my vehicle. I have a signature loan for 9k. I have another vehicle loan for 6k which I am paying off today just sold the vehicle. I have several smaller revolving lines of credit with between 1k-2k each. Id say I have 4 of these accounts. What quick steps can I take that I havent taken already to improve my score?Edit: You have really helped to convince my wife and I to wait. We came into a huge amount of money and thought it would be a great opportunity to buy a house. We had a long talk after I read her all the comments on this post and weve decided to take this opportunity to get ourselves into a better position financially.  <response>: You arent ready to buy a house, you dont have the 20 down, you have a ton of debt left on a vehicle and you have a shitty credit score. You need to wait at least a year and kill the signature loan, 12 the vehicle and get another 10 before you should be even thinking about this. 