Sorry I didnt address the issues specifically. No time this morning and the days are too busy. Ill post up a response sometime this weekend as credit is an important issue.
If you want info, a great start is equifax or transunion websites which will give you a primer on how your credit score is calculated.
Its a good discussion youve started about getting credit that you dont need. One thing to think about is that when you dont need credit, its easy to get. But when you are in need of credit, its hard or impossible to get. Try applying for a credit card or LOC if you lost your job and need a bit of money to make the mortgage or buy some food.
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