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jug13m wrote:I know I'm close. I had 4 cards that had almost all of my revolving debt (5k on 25k total) on them. They were all at almost 50% (1400/2700, 160/300, 780/1600, 600/2300). I paid 3 down to under 10% and one off fully. That'll bring my overall util down to 12%, hopefully under 10% if my HSBC account ever updates. Also, I'll have all cards with balances (only 5 of 16) under 10% except one (just did a BT). I hope that gives me enough of a bump. If not, I'll pay them all down to $0. Anyone think that it will make that much of a difference if I bring them from 8% to 0%? If it does, I'll do it.I also got some info on the 680 today and it is true that w/ 20% down, PMI is ok. I'm now looking into an 80/15 loan w/ 5% down and no PMI.I am still just so confused as to the fact that the MyCommunity loan is supposed to be for people with bad credit or limited funds or both, but it requires PMI on anything less than 20% down. So, most people who probably need it can't get it. Pretty crappy catch 22 if you ask me.