Ahhh..the easy credit days...
People are saying that the mortgage process has gotten ALOT more difficult these days. I will admit for the past ten years , i have taken my share of advantage on the all the Zero percent transfer balance offers in my mailbox to move debt around like dirt under the rug. Since I sold the house - I have been debt free, and would like to keep it that way. So all the credit lines are open and the cards just keep getting filed away. I would close the lines - but i have read that the "available" credit affects how you are evaluated for MORE credit. And we will be needing a mortgage soon...... so in the files they stay...
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