I get it! Didn't mean to sound judgemental at all, btw; was just genuinely curious as I figure life would be pretty easy were I pulling $190k. I understand it's tough to really gauge that without the full picture. Also don't know where you live but sounds like the cost of living is high, so the salary doesn't go as far.
For perspective, my wife and I both work and combined we're just shy of $110,000. We have three kids, though all out of diapers now (youngest is six), but we also intentionally spread them out by about four years each so we could avoid the "multiple-kids-in daycare-at-one-time" trap....LOL! Our mortgage is under $1,500 a month for a 2,600sqft, 4bd, 3ba + bonus home on close to 2 acres. I carry a balance here and there, but not typically. My payment history is 100% and I recently posted about my wife inadvertently missing a payment on her Discover card last November when we made a small charge and forgot about it We had not set up autopay like we typically do everything else. That lone missed payment dropped her score by over 35 points and her payment history is still 99%.
I guess I say all of that to say that while 96% sounds good if we're talking about a class grade in your MBA program, it's less than ideal when looking at payment history on credit and can be very damaging to you. Just something to keep in mind. If your auto loan is a relatively low rate (and it's most assuredly lower than your credit cards), you would be better off to pay the cards down first and not worry about the extra principal payments on the car. This is even more true if you've got good equity in the car already anyway. If you sell it, it's going to sell for the same price regardless of what you owe. Owing less nets more money in your bank account and less to pay off the car note BUT you're just replacing money in your account that would have already been there had you not used the extra to create the additional equity. It's six of one, half a dozen of the other. I think your priority likely needs to be pay off the collection accounts and the other cards first, then divert some extra to your car and some to savings so that buying a house thing won't be an issue for you down the road. Kids in diapers won't last forever and with your income, you should have some great options available with a little work on your credit profile. Just a thought.
Good luck on your journey!
@kcos194 wrote:@ReturnOfTheCredi Man I would KILL for 2 acres lol. No, but you make good points. I guess I just got in a rut where it was like eh, my scores are gonna stay crumby so let's just focus on bigger ticket stuff and let the reports age. Frankly, the Savor approval has gotten me more motivated to clean it up and improve mine. Payment history is what it is but I've already got one of the collections paid off and going to pay down the other 2 balances next week before they post. If I'm gonna get serious about this stuff I should start now.
I just keep telling myself that this is the most money we're going to spend day to day (hopefully) in our lives and that it'll get easier and cheaper each year. It's also why I've been pounding DW's venture with all the spending. Daycare alone will get us almost 60k miles by the end of 2023. Now will shift the grocery and restaurant spending to the savor and PIF each month. Should result in a nice jump for me.
Y'know, I've told myself we're at that max spending point in our lives a few times now. Somehow, you'll always find more. 
That said, you're on the right track. After staying on top of your cards for a couple of years, you will see drastic improvements. Just keep those revolving lines paid off (or paid low) and pitch extra at your installment loans when you can. You keep things straight for 2-3 years and you'll be house-hunting in no time. You'll be surprised.