I am going to disagree with what a lot of the folks are saying here. I think that one factor in your decision should be determined by what kind of down payment do you plan to put on your house. If you are going for an FHA and only plan to put down 5%, then you might want to rethink your 3 to 4 month plan.I also don't think that you should continue letting FICO determine your own personal finance decisions. You should NOT be paying any annual charge for a credit card, so either call to have your charge eliminated or cancel the cards. You can tell them that you will cancel the card for that reason.Fred
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