Thanks for both of your responses. All we have is three things we're paying for (or so we thought till we pulled our reports and saw two student loans which were consolidating still reporting as open loans!). So we got those two taken care of by calling the agency. I have a question about that I'll post in a another thread.
Anyway, right now I was dismayed. All we have is a mortgage, one student loan and a small credit card bill. The house and loan should be paid off within three years. That leaves a very small credit card balance unless we do something else creditwise (doubtful). So I don't want my score to be affected in a negative way and it will. I don't want to be forced to have to finance something else just so I can have a good rating!
I just learned though, my credit card is affecting our rating because it's 8% instead of 7% national ratio... . I know it's picky but Transunion is scoring us at 785 instead of over 800! Just because we're a little over. Equifax does not count that against us and says we have no detriments in our scores. Still I wonder why we're not higher than we are... what does it take to get up to 825 or 850? Do you have to be God? LOL I know it doesn't matter as we'll still get the best rates, but I want to be at least over 800 on all three and Transunion is off.... It's hard though having to keep that credit card all balanced out; especially if your roof caves in or you get some other unforseen expenses you need to charge.