What improvements do my husband and I need to do in order to purchase this $175,000 house?

My score now is 642 and my income in $55,250.00.

My husband score is 667 and his income is only $27,000.00.

We have no garnishments and no tax Levis; but we are financing 2 cars, some medical bills and credit cards on our credit report.

What improvements can we make in 6 months in order to increase our chances of getting approved for this house? Thanks.

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