Personally, I'd strongly recommend that you pull all 3 credit reports from right here at myFiCO and look at what your true FICO scores are(the scores that 90% of lenders use in their credit granting decisions. Or some variation of the FICO scoring model).
The Vantage Scores are what we call FAKO scors. And are generally, but not always, MUCH higher than your true FICO scores. The difference in FACO vs. FICO for me is 45-60 points! (FAKO higher than FICO).
Phew! Financing real estate deals with a credit card. That's scary.
Good luck to you, and welcome to the forum!