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Open credit card $0 balance DTI factors for Mortgage
My wife and I are about to apply for a mortgage. We're approximately at 37% DTI including the new mortgage. We have (12) revolving accounts which 2 have balances and are utilized frequently for activity purposes only. All accounts range from 1-10 years old. Some lenders have told us that the revolving accounts will be factored into our DTI even though have been idle or paid off for many months, some for over a year. What factor could these accounts contribute to our DTI? Some suggest closing them but we'd lose history then and potentially jeopardize our scores.

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