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  1. hello, im new here because i want to be in a position to obtain a mortgage in a few months. i have one account in collections (for which i have a thread on here asking about pfd) besides that, my credit (for the last 7 years or so) is prettry good. i have four credit cards, only one of which i was ever late on and one loan i took out almost a month ago for about $1200. my credit cards total bal/max is about $1100/$1400. I read different things about what you're supposed to do with credit cards a couple months before you plan to apply for a mortgage. some say pay them all off comple