In 6 months sure its possible 31 isnt that much. pay off what you can. if you have the opportunity buy a very small amount each month on each card and pay that amount off over and over. also look into credit repair its not that expensive and they call each credit agency over and over until old bad spots are removed. also dont apply for anything with until the day you get your home loan. every application even if you spend no money drops your score 2 points. there are probably more things to do but i hope that helps a little.

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