Yes, you can tell yourself all day long that it's temporary, but it's still pretty painful in the meantime.
The one good thing is that improving util is just about the one thing that you can directly influence, and it's very nice to see that score ratchet up month after month.
Been there, done that --that's why I'm working today at home at my second, part-time job! Picked it up when I wanted to pay of DD#1's college expenses, and now I guess I'm used to it...
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007