We had a problem when we were getting our mortgage b/c of our debt to income ratio...it was then I realized looking at my credit rept that I had so many credit cards that I never used but were still being "held" against me (macys, old navy, circuit city)...I got my credit rept & canceled all the cards I no longer used. We then worked at paying off 1-2 of our debt items (his credit card, our car) & those few things helped us get a lower rate. Not sure what you can do, but like the others said, maybe sit down w/ your accountant or a financial planner & see what can be done.
