So, my lender told me that I needed to consolidate my student loans ( I had like 11) to get my DTI down to where I could be approved for a bigger loan. I'm concerned about that screwing up my AAOA because those loans are my oldest accounts. Literally. My next oldest account is my auto loan that I've had for a little over a year. All my credit cards are a year and under. My middle mortgage FICO is 685. Has anyone consolidated and still kept up a decent score? We're supposed to start officially hunting next month for a house and I'm nervous this could screw our chances since we are trying to get DP assistance and you need at least a 640 for that. I really cant afford for my score to drop too low.