Institutional lending is far too restrictive and time consuming, thus my need for an investment partner(s).Here is a description of my immediate need:Area: Aurora, IllinoisSales price: $125,000After repair value: $160-175,000 (CMA's from local agents)Repairs 90-95% completed by sellerClose: Tuesday, August 15 (one week from today)I have been working with an institutional lender on this but am running into "chain of title issues" because it was bought as a foreclosure by the current seller recently.

We have a page that spells out FICO scores and gives resources for credit reports - http://www.biggerpockets.com/credit-report.htmlYou can check your credit report for free at http://www.annualcreditreport.com"Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies.

The report consumed a lot of time. but, starting out the experience was worth the time.

I am in very bad situation, lawyers sold me short, after consuming close to $50,000 in fees, and I am afraid of any paid consultation like of fire .Surely I would have many questions, what to do after getting the loan, but this is the subject for another post.Big, big thanks in advance.

Unless you plan on marketing your home yourself and that is very time consuming and you can't network like the MLS system can.So you must consider this....If you still owe on your home and pay the mortgage note on it...without a real estate agent - you are looking to pay that mortgage note (a few more times.

However, I find it very time consuming to go to all the different article directories.

In addition, some of these clubs have discounts at local areas that every consumer enjoys.

Its not all hard work but it can be very time consuming.

Sorry, but if you really check, the previous poster is correct- this will not pass the fraud sniff test.If you put someone on an account for the express purpose of reporting on a credit report, report them as an AU, and they are not (under the old scenaio, if you added your brother, even if he didn't have a card, he was legally authorized to use the account) you are walking a thin line.The FCRA (Fair Credit Reporting Act) specifies what can and cannot be listed in a consumer credit report.

I am planning on paying off all my consumer debt first, then getting involved in real estate investing.