Hang in there sly, I'm sure when you get those util% down you will take a big jump in score. After all, didn't mine just take a dive (603 down to 593, back under 600) for going up to 65% util? I am trying so hard too with those GW letters, I just have to take some satisfaction in the fact that I am getting on their nerves. Lets dont forget the ones to my local bank!!! I go to church with these people, A First Baptist church in a town the size of Mayberry. I just don't have any shame anymore, I want that house too bad. I REFUSE to give up, even though my daughters best friend's mother is my loan officer, with the bank that I have 12 lates with!So see, it could be worse!