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i am still working on my score to this day in fact i just looked at my report and one of the paid off accounts still shows 120+ days late even though it has a zero balance (verizon) i will have to dispute that also. but i wanted to buy a house this year so i pulled the triger on it i will probably refinance it in a year or two one my score is above 700. i now need to work on my wifes credit. i am going to have to pay some of her old baddies off and write some letters.
Try waiting a couple of months after you closed your house. I am pretty certain you will get bombarded with credit card pre-approvals offer in the mail.