Thanks for the concern. 

 

My income will be increasing in the next couple of months, and I need to refinance my first mortgage to a fixed rate (no cash out needed) in October.  I plan on continuing to lower my util and overall debt. 

 

But - If I need to use credit between now and October, would it be worse to increase my util by using my existing TL's or to add on more TL and keep the util down?