CutSyle,

You certainly raised a very valid point wrt credit scores. A few thousand miles is certainly not worth even a minor percentage point move upward when looking at buying a house or refinancing one. A related point is the number of cards that you have. Each card represents potential debt and a higher risk for a lender even if one has a history of paying every account in full each month. I wish you the best of luck trudging through the refinancing process.