if you let the deposit grow over time, you will have a decent chance. Best of luck!
in the meantime, keep calling wells fargo and ask for a SP CLI.
Paying your util down is the quickest way to gain points.
I would pay the util down, let the CC compaines update, then apply.
and invest in your FICO scores.
never go into an app with less information then the company to which you are applying. That way you can answer their questions during recon. You never want to say "I did not know that was on there" to a lender when talking about your credit report. They tend to prefer that folks know full well what is on their reports and what their scores are because it tells them the person is actively involved in doing the right thing with their credit.