As a mortgage broker let give you some tips about credit and increasing you FICO score. Two credit cards work well, never keep a balance over 50% of the credit line. Try to never close a credit card. Just cut it up and leave it open. This will show you have had credit for a longer time. Never transfer a balance from one card to another. Never be 30 days late on a payment. Credit cards held with companys like big department stores will cut you no slack if your late and charge lots of interest. Home equity lines are the way to go in most cases. You can deduct the interest. Sorry if I got carried away, I'm at my office working....well sort of..
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