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: Current Origination Date: 2006-12-19 EricsCC ROI: 10%
Status History
Dec 19, 2006 Current
Sep 05, 2007 Late
Sep 21, 2007 1 month late
Oct 11, 2007 Current
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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