I don't think i have great credit...as I had big problems in the good ole college years...i was typical, had 10 cards and transfering balances amongst them like crazy.

For the mortage...the broker told me that my credit is not great but he can work it out as long as I pay off the DC bill, i explained to him that the DC bill has a 60-day billing cycle..what he sees is only for 30 days... so out of pure luck of meeting this great guy...my mortage was approved! (personally, i think he being a Chinese broker gave me some slack,)

FWIW, i had more trouble getting AMEX cards then anyone. They kept saying that my score is not up to their standards...and when they finally approved my Starwood card...they only gave me $2k



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