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That doesn't mean you need to run out and apply for fifteen credit cards next week. That will hurt your credit, because a lot of applications in a very short period of time is a signal that you're in trouble and need credit.

But somewhere between 2 or 4 general use credit cards, showing a history of regular use and good payments, should convince most mortgage brokers and bankers that you're a good bet. They can't look for millionaires. What they are looking for is a sense of responsibility when it comes to money.

Thanks Nancy (and to all the others). Currently I have a Wells Fargo Platinum Visa, and a BofA that was suspended for a while, until I paid it off, but it was not cancelled or closed. So I know I still can open that up again without it appearing on my credit report as my applying for a new card. So technically that's 2 cards. I just want to get one more, that's really great....the Chase Perfect card (6% cash back on gas purchases for the first 90 days, 3% after that, and 1% on all other purchases). That's the one I want and will use solely. The BofA sparingly, and the WF for paying bills via automatic debt.

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