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Only 1 of the 3 credit bureaus really count often as your real score, 2 of them do not report your correct score via their reports. Pretty sure it is Equifax that you want to pay attention to (my mind is off today, but positive that is the one - if not then Experian which I just do not feel is correct).
You would want to free up as much of a balance as possible before a mortgage anyways. So paying down the cards first makes a great deal of sense. Plus it will also boost your overall score. As Sly said this can save you tens of thousands or even more over the life of your mortgage.
Also go over your credit file with a fine tooth comb while you do this. Make sure there are no inaccuracies on there at all right now as fixing them can take a little time but is easy and worth to do.
Most credit agencies also ave a simulator in their system. Where you can run what if scenarios. Run those to see which actions will help the most with your report. They can really help establish a game plan and where to start first.
Watch out for those other cards that have no balance. Them fuckers have been cancelling people who have not been using them. I have gotten a few cancelled myself this past 3 months. They always were paid on time and no balance. They flat out killed my account and thus fucked my score even more since there was less credit ratio available to play with. I would charge a small amount on such cards and carry a tiny ass balance to make sure they stay open.
Then of course do join a good monitoring service while you plan this whole process so you can keep your finger on the pulse. Make sure they update often.
Lastly get all your pay stubs, check stubs, tax reports, you name it all together and organized and ready to show. Get copies if needed, especially if your missing certain stubs etc.
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