My education level is coming across, but I still need a few more months until I am ready to embark on my own journey.In the mean time we will work diligently on decreasing student debt, cc debt ratio, and other open loans.If anyone can assist me in gaining a mentor I would be very appreciative!

Adding a small loan (like the "credit builder" loan some credit unions offer) will just decrease the average age of your accounts, which is the last thing you want.The same with new credit cards.What will help is increasing limits on pre-existing cards.

Just a slight decrease in expenses and/or a small increase in rents will push you into positive territory.

Also I heard that if you go to several banks your credit score is pulled several times and your FICO could decrease is this true?

CRIME is a big one.The percentage of non-violent to violent infractions and if crime is increasing or decreasing in the immediate area.Intermodal transportation study is another and the future land use map.This will give you an idea of where they are today and what they have planned for the area in the future and how the city and county will be allocating their resources to develop certain areas.Much more items than this but it's been a long day and my brain is out of fuel........ :)

Get the interest down and decrease the number of years.

I cant get a decent loan, due to divorced in the last 4 yr.s costed me some points to decrease on my credit score, but I have been fixing that the last two months.

Realtytrac just released its foreclosure numbers on October 11, 2012, and this report shows decreasing foreclosure activities in some U.S.

Although some States showed a decrease in foreclosure starts from last year, the good news for real estate investors is that more foreclosures will continue to trickle into the market from States like NJ, NY, and FL.

The buyer is the one who takes out a mortgage for the next 30 years to pay for that house, that agent, and any "included" closing costs.Again contractually and in theory, the seller pays for the agent, but in actuality the buyer pays for EVERYTHING.I have no issue with my integrity or my ethics and I have absolutely no problem negotiating a decreased commission with any agent.