Another thing you might want to keep in mind is....each time you check your credit? Your score goes down 15-30 points. Often as far as "credit" goes the more checks someone has that means they might be trying to buy a lot of stuff. That's why you should NEVER EVER shop at mulitiple car dealerships for a car. Each time you go in they check your credit and by the time you find a car you like at the fourth or fifth lot...your scores down 100 points for the next year.