Revolving credit, credit cards and lines of credit, is weighed on utilization, how much of the limit is currently used, not just whether the minimum payment was made, so paying a card down to below 30 percent utilization before a lender pulls your file can move the number noticeably.
Avoid opening new credit or making a large purchase on a card in the months before you apply, since a lender reviewing your file wants to see stability, not fresh inquiries or rising balances right before a mortgage application.
A mortgage broker can review your actual file today and tell you which of these levers will move your score the most before you start touring homes. Get your hand-reviewed valuation from Joel Dyck.