Trying to raise my fico to get a better mortgage %

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Listing Information
Amount: $2,000.00 Status: Loan created
Grade: D DTI: 10%
Lender Rate: 14% Borrower: metalations
Time Left: Finished State: AZ
Funded: 100% Group: Credit Card Consolidation
Loan Information
Loan Status: Paid Origination Date: 2006-12-19 EricsCC ROI: 14%
Status History
Dec 19, 2006 Current
Sep 05, 2007 Late
Sep 21, 2007 1 month late
Oct 11, 2007 Current
Dec 19, 2009 Payoff in progress
Dec 25, 2009 Paid
My family is hoping to by our first home in the early part of next year. To make this happen I need to raise my credit score so I can get an interest rate that will allow us to buy enough house for our ever growing family. I have 4 credit cards with limits of  $800, 700, 450, and 500 all of these cards are at or near their respective maximums putting my total credit card debt at appx $2450. I would like to borrow $2000 to pay these 4 cards to 20% of their balances. 
Borrower's Other Listings
281517 recovering from paternity leave HR $6,000 @ 24% Feb 19, 2008 Expired

 

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