Posted by Bruce Lawson on March 18, 2001 at 17:38:17:
What is the status of your current creditors? Do all 34 entries belong to you and your wife? It sounds like your paying history is good. You can pay those credit cards down to where it will lower your D/I. Do you need that many credit cards? Lenders will look at your open accounts. You might want to get a second to pay a few off, and keep the one with highest limit active. A lender will look more closely at your application without all the open debt. Are the two mortgages investment properties?