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sharpie wrote:

With all this back and forth about maximizing credit card useage, it seems one major item was overlooked.  It does not matter if you have an 800 credit score, if you have an unpaid judgement.  The judgement has to be paid.  At that time you can attempt to get it vacated and removed from your credit report.  However, the credit report is not the issue.  The judgement has to be paid.  (I have read that if you have a payment plan with the creditor and 12 months of on time payments you may be able to get a mortgage, but I do not know for sure.)

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Well said sharpie. It's the first order of business for the op.