[Domangart]

Those cut up cards may still be open lines of credit. Check it out.

[brwnsuga]

Thanks. got that covered. We closed them out with each company and updated our credit bureau. We are determined to not use credit for anything other than house and car note. It just works better for my family. My husband is in the military, so we are not rich. But if you live within your means the money is okay. My son thinks we are rich... isn't that cute.