Did you know that paying off your credit card 2x a month and using less then 20% of your total credit allowance will increase your credit dramatically?
Lender's do not just focus on whether you pay your bills on time. They also pay close attention to your debt ratio. Not overspending and paying your bill 2x a month will help ensure that your creditors send out low debt usage reports to the major credit reporting bureaus.
Don't let your credit get in the way of buying your dream home!