[motion]

Jim, I'm not looking into developing anything.. just personal stuff.

Does anyone know, positively, that cancelling a credit card or two will hurt/help? That's an option, just from a simplicity perspective.

The inquiries may, in fact, be killing me. I've heard that an inquiry can cost you 3-5 points. If that's the case, might I be looking at 20 points or more because of the inquiries? Possibly, I should start writing letters to the inquirers asking them to pull the inquiries. ???