If you're worried about getting a house, don't. The bank will use an underwriter and you'll be find. As stated above, your new mortgage will become your credit and it will go WAY WAY UP!

Then when you sell that home (and it shows as paid off) on your score, it's scary what you could be approved for

At least that was my experience. I lost my job for a year though, so my rating isn't quite so hot right now.