Give what is required. the plan is good but to maintain all the details of investments/insurance/loans/assets might not be possible/easy. All the best

Get your credit report. Its free when you have receive adverse action like being rejected for a loan. http://www.freecreditreport.com

Make sure you get a report from each of the 3 reporting agencies. There may be a mistake on only one of them. If the bank pulled that one and you look at a different one you wont find out what the problem was…

The single biggest way to lower your score and keep it lower for the next 7 years or so is to be late (30 days or more) on payments. the more often it happens, the worse it gets.

Other peoples' debts are not listed on your report regardless of them living at the same address.

Often times people get declined for not having enough credit history (or none at all)to justify a decision for a loan. In that case it is useful to get a smaller loan(even if you don't need it), and pay it off a couple of months later. That looks good on the report and shows you responsible.

With the credit crisis going on worldwide you probably won't be able to get a loan unless you have nearly perfect credit.

On yahoo if people think your question is interesting do you get points?

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Tackle the credit card balances immediately.
Try to get them paid off before 2010.

No one knows right now where the housing market will be at in 2010.
With any luck you will have a really good credit score, very little to no credit card debt and any lender will welcome you with open arms for the refinance deal.

Credit Scores are going to be the most important thing in the future when you need to obtain new financing for big purchases.

Do yourself a big favor. Cut up the cards and pay them off.
Do not cancel the accounts… just pay them off as fast as you can
and then only use them for little purchases like $20 a month keep the accounts active. Of course you will pay off that $20 charge every month from now on.

For me I think Finance

Either Finance or Engineering would utilize your love of math. I'd look into both as a career choice. Engineering would be more lucrative.