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No. of Recommendations: 2
"Wellllll... get a flame resistent suit?"

Hi Ralph - I'm just sitting here with embers floating off of my charred body.

Luckily, my credit is good due to on-time payments and long credit history so I don't have to repair my credit. Like anything in life though, you always want to improve something. Hence the question about the credit cards.

Yes, I have an agreement with FIL including a fancy amortization schedule! :) Time to pay back is 18 mos., but will probably be earlier due to us cutting cable, one car loan ending, and other budget cuts.

Other than FIL, the only other debt we will have is a second car note and mortgage.

Using the cards will not be an issue going forward. Still would still be nice to close them and give them the scissor treatment. :)

Thank you so much for the response.

Daryl
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