[dooleysm]

Think about what a credit score is for and it'll make more sense. It is a guage of how much money you have borrowed in the past combined with how quickly you paid it off. The highest scores are going to people that have borrowed and paid off large sums of money. Lenders are less interested in how you come about the money you use to pay off your debt, just that you come up with it on time.

My BIL reports that his 4% HELOC has just been lowered to 3.25%.

I just got a Burpee's credit card for the sole reason of avoiding shipping and handling charges. Without asking they gave me an $11k line of credit with 0% interest on balance transfers and cash advances until Feb. 2010.

There's plenty of cheap money out there for people with good credit histories.