The words 'freelance' and 'credit' fill me with dread, but certainly your comment on the timing is correct - banks don't trust freelancers at all. The worst thing about freelancing is weathering the waves, so getting something solid to sit on is good advice indeed. Something I've never been very good at is learning to appreciate the brief moments of quiet in between the stress... I always end up fretting about where the next thing will come from, but generally it works out. :-)
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