This is when you should start working on that resolution, not in January. This is the time of year most people spend way too much money, use up all their savings, and run up credit card balances. Those are not the steps to prepare for buying a house.
A common misconception is that if you have a great credit score, you have the credit issue covered. Casey Fleming, author of "The Loan Guide: How to Get the Best Possible Mortgage," sees people who are proud of the fact they only have one credit card, which they hardly use, and a credit score of almost 800.