The jeep is going to hurt your DTI a lot regardless of whether it is 0% or 18% interest. Pay it down as quickly as possible. $500/month towards your downpayment fund would be a lot better than a rapidly depreciating vehicle. I would have bought a $5k-$10k beater car cash instead. The CC you should put just one small charge on it and run through your whole household on cash/debit card. You want to look up AZEO on this forum which is basically optimizing mortgage scores by allowing only one small balance to report on a single credit card and everything else is zero balance. You really should be 1% utilization right out of the gate from discharge. 18% is already too much after getting the gift of a fresh start.
The monthly subscriptions are money going out the window every single month that could be used for a down payment. The amounts may be small-ish one month, but it quickly adds up over time. I'm only on one streaming subscription paid annually and it's less than $4/month if spread out. Netflix etc. still better than cable TV, which is a huge money sink.
Sometimes those store cards can give you four digit credit lines a year after discharge and it will help your scores a bit, but don't use it as an excuse to increase the usage on that Mission Lane. 2 more tradelines should be enough. There is really no reason to show more than a few dollars on each statement when it comes to a mortgage even though AZEO allows 8.9% on a single card.
