My husband and I are trying to get our FICO scores up before we apply within the next 1-2 years for a home loan. We have about 15,000 in credit crad debt that I would like to pay down below the 30% mark. How long does it take if I was to pay 2,000 toward our debt each month to see my credit score start to increase? We aren't sure if we should just save, save, save or pay down everything then save for our home after our credit card debt is lower. Any advice?