In my opinion… you should not pay a cent… keep your money, let all the negative stuff disappear by 2014, use your cap one credit card here and there, never above 30% of the credit line, pay in FULL… and then… in 2014 or 2015 do what you want to do with the house… right now, don’t even try in my opinion. Do this and by 2015 you will be reborn….
I’m 32 and I messed up my credit big time too when I was your age… Now by august this year, I will be reborn.