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Rivieraman

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What to do to buy a house
I have a transunion score of 678 and a equifax score of 651. I have been rebuilding my credit for about a year after I settled a debt with Sprint. I have 3 credit cards which have a spend limit ratio of 470:1500, 50:500, and 200:1000. The two with higher limits are from CapitalOne and the other is from BestBuy. I'm 22 and have a yearly income of about 36k. What steps can I take to obtain a decent mortgage in the next year or 2?

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