Craig Watts says it best when he says: "So, to get a good score, you mostly need a credit history with no reported late payments, as well as low reported balances currently on any credit cards."
When buying a house, a high score is important in giving you many lending opportunities and the best interest rates. Before buying a home, remember to not incur new credit or borrow against your credit cards. Keeping the balance lower than 50% of your limit is a good idea. Once you meet with the lender and you receive a pre-qual or a loan approval, do not do anything with your credit, don't even buy a new cell phone plan as the inquiries put a dent in your score. Ok gotta go!
See the article here: http://money.msn.com/credit-rating/5-secrets-of-fico-credit-scores-credit-cards.aspx