FYI. This is an article for Freddie Mac home buyers that may be of interest to some people. Charlie http://list.realestate.yahoo.com/re/story.html?s=n/realestate/real/20021028/20021028801
That must be why we got a "CAUTION"...on our RE-FI...even with $100,000+ equity and 24+ years of perfect payment history... "EXCESSIVE CREDIT LIMITS AVAILABLE"~~~but they could NOT prove that we have EVER "MAXED" everything out in 24+ years!!!