As stated, the OP has received plenty of viewpoints.
Lots of important points made by all, but this seems to have run its course, so I'm locking it.
OP, best wishes to you, whatever course you decide to take.
* 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