[crystalsmom]

Kristy, if I were you I would go to a bank, any bank and ask to talk with a
loan officer. They handle mortgages and would be able to tell you which
would be better to keep it open or close it since you haven't purchased a
house yet. If you owned a home you might do things differently. They
look at credit reports daily and know how they are judged. You don't have
to give alot of detail. Just a thought.