Your scores for a mortgage company will be different from an auto loan company which will be different from a credit card company etc.Consumers who are not familiar with the different algorithms are always surprised that their mortgage fico scores are lower than the scores they get from other sources. 

Found them off the Quickbooks website under the Support/Find a QB ProAdvisor section and they basically held my hand through the whole process of how to do enter transactions, import my credit card statements online, cleaned up my chart of accounts, etc. 

I've heard life hacking, credit card hacking, airline mile hacking, etc.

That means you are responsible for all the items that failed. if it is a 3 family or above, you should check the status of the Green Card (Certificate of inspection) with the state. with Newark you have to be very careful with the area. 

I think it's always better to attempt better communication rather than move to the TOW card too fast.I also always ask myself: If this were a B neighborhood, would I be so quick to resort to towing the car? 

Should be no more than 28%.Second ratio - Total monthly debts. living expenses plus monthly debts like student loans, credit card payments, car payments, alimony, etc.

I have bought a short sale before and that worked out quite well, but we’ve tied up quite a bit of our cash for now, so buying properties with cash isn’t likely in the cards for us right now. 

the zero % is just massive credit card debt... caution on that one.great time to borrow HM  rates are at all time lows for very qualified borrowers.

I bought my first family home March 2014 for 136,500 I got in some credit card trouble and did refinance-cash out on my home October 2017 so I can catch up on bills.

My plan is to put up a website, get an LLC, business cards, a list and spend the rest on mail for hopefully the next year and hopefully close at least one deal.