I took out a personal loan to pay off two credit cards I had at the time and my outcome was well worth it. I had the loan paid off in less than a year and I only used one credit card for my bills which were on autopay and paid it off completely every month. My credit score increased significantly two months after taking the loan and paying off the credit cards. Additionally, depending on where you look at buying a home, I would suggest looking into a Rural Development Loan. The benefits of this type of loan is comparible to a VA Loan.

Good luck no matter which route you choose!