Aw, Legz! I have been there and am still there! I was looking at purchasing a home right about a year before MS hit. I didn't have any debt or anything like that. Like you, I paid my bills on time and if I didn't have the money for something, I just didn't buy it. So, I got a credit card with a $200 credit limit. I hated using it but did and made my payments on time every month just like they told me to. It made me sick though because with interest you are actually paying more than the retail price. UGH!

Anyhow, MS hit and I couldn't work so I cut up the credit card (which I had a zero balance on thank goodness) as I feel that if you don't have a job, you have no business having a credit card. I gave up my dream of owning a home.

It is frustrating to be penalized for being debt free. It makes no sense to me as if you are debt free, you obviously are less of a risk.