I have a good credit score. That's the lamest part. The only thing adversely affecting it is my debt-to-income ratio, and ironically? Part of why I keep having credit card debt is because no one will just loan me the money up front. So I have to use a credit card to pay for unexpected expenses, and then, despite steadily paying it down, they say, "Well clearly we can't loan you money since you use your credit card too much."
ARGH.
I'm especially frustrated because my DexH hasn't paid off or transferred and closed the credit card in both of our names that still has $8000 on it (it's his responsibility via our settlement), so it keeps making me look so much worse than I actually am.
Nothing like a divorce to screw your credit but good.
ETA: One more rant and then I promise I'm done: This loan isn't even for anything new! It's to transfer debt I already have.