Quote:
Originally Posted by 1399
But the timely payment history will definitely be consoling to a banker to see when that person goes to apply for a home loan, especially if they are paid off.
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Brother, your debt to income ratio plays a bigger role in determining credit worthiness than your payment history. Your payment history can help you qualify for a better rate, but having a bunch of credit cards with high available credit limits will hurt you, especially if you are trying to buy a house.