My current history is.. 23 months good pay on five accounts, total credit 10,100 with roughly 6500 available. No mortage, one car loan 14,000 rough pay last year. I need one more major (1,500 limit) so I can start house hunting in 2002. I dream about have only 4 cards with higher limits so I can get rid of my two small sub-prime (1st Premier (350) and BankFirst (600)). But I know that I need them when I apply for the mortage showing over 24 months of good pay. I'm in a catch 22, don't really want them but can't close em.