There is another similar thread already. Do a search..

As long as you settled your debt and your monthly commitment(such as car loan and other loans) does not exceed 60% of your monthly income, there shouldn't be any problem to obtain a home loan.

CTOS may show that you owed money but usually their database is 2-3 months old. So as long you can provide your credit card statement or payment receipts that you already settled your bill to your agent, then it's fine.

I went thru the same thing too. I settled my bills and got it approved in 2 days time. Same situation like yours..

Cheers..