No. of Recommendations: 2
TMF2Aruba,

You wrote, I am sure I have far too much available credit, and it doesn't help that I have 4 major credit cards.

Not sure those would affect you much. I have 5 major credit cards, plus a store card. My lines of credit are well over half my annual gross income. But of course gross income doesn't count with credit scoring.

- Joel
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