My LOC is at 15.99% which I am pretty happy with considering my CC is at about 20%. I will save some bucks.I have a heavy debt load right now, but am finding my way out. All of my accounts all say never late on them, with one acception. FCNB is still reporting an account in 1994 that was 60 days late. This does say it was closed at their request (not true - I paid it and closed it!), and I have been trying to get them to fix it for several months. In the early 90's I was beyond irrisposible, but have been a good little fool ever since. I am working hard at reducing my debt so I can buy a home in a few years. I was preapproved for a mortgage by GMAC at a great rate, unfortunately I couldn't find a house in Mass for $114,000 which is the maximum I could get because of my debt ratio.
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