So here is a non-mommy related post for you. It's about credit scores and how beyond backwards they are.
Chris and I tried to refinance last week cause of how low interest rates are. So this mortgage guy, who is a friend of a guy that Chris works with, came over to our house and gathered a bunch of info about us, and James and Jeehon (cause they are on the mortgage with us.) Then the mortgage man calls us back and tells us all our credit scores have dropped. And here's why they have dropped: cause we paid off all our credit cards! (except one.) Everyone keeps saying that we should have kept the accounts open, but here's the other thing- due to inactivity on the card for a couple months, the banks decided to close them. Superduper.
Just when you're trying to live a good, responsible, debt-free life, The Man sticks it to ya.
Thanks a lot The Man.