Many people think that buying a home is a simple as finding a home they like.
It's not quite that simple, but it can be fun and adventurous. If you have several open accounts with zero balances and you don't plan to use the accounts again, cancel them in writing. Those accounts will appear as potential debt to the lender. The longer an account has been open and in good standing, the better it is for your credit rating. If you know you have a flaw in your credit, even dating back several years, correct the problem if possible.