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Jose, thanks for the reply! The wife and I are both gov't workers. Good benefits, but lower than private sector pay. So what you said makes perfect sense to me.

Jose, I have to ask this because it is the exact opposite of what actually happened to my wife and I when we bought our first house in 02'. We applied for a mortgage and were rejected, according to the lender because the unclosed credit card accounts we had were potential liabilities. We...