Hello Sam and Cindy,
Another things that you have to watch out for is not letting your credit report pulled in the mean time - at least 90 days window. Not for a department store, or credit card - not for anything...
Each credit pull, unless you shop for a mortgage company (within a short period of time), reduces your credit score by about 10 points.
If you get your debt (if any) down to 30% of available credit, this will also improve your score.
Once you do that, take care of the larger monthly payment card (this improves your debt to income ratios for a mortgage and makes you more "approvable").
Disputing wrong information is a great thing to do - it could be removed completely, if done the right way - check out the book by Kevin Trudeau "Debt Cures".
Beachfront Realty, Inc.