@Alexander Felice I do have 2 credit cards which are paid off and student loans which are in deferment (so i'm sure it will be counted as 1% as I do not yet have a payment plan), my car is paid off so no other tradeline& we are just now getting out of the upside down phase, the ratio is 80.5Also homes in my are are not particularly expensive, especially for what I am looking for a fixer upper (with mostly cosmetic issues)

I'm looking into sending direct mail using post cards and was just curious.

I strongly believe I do need to at least get some business cards. 

Just call and ask for a limit increase and that reduces the the percentage of debt that you have on that card.

I tried Craigslist & that failed, i tried job boards but keep getting blocked from posting, ive tried drop cards, knocking on doors, bandit signs, mailers, even facebook isnt working, nothing is.

They persuaded me to enroll in their class starting from 20 thousands to 50 thousands dollars and to use a credit card to pay for it.

Revolving Line Of Credit via Family Member: In this case, your family member allows you to borrow money as if it were a credit card.

So I am glad that I was able to leave there with my credit card in my wallet!

I was in this same state. credit card debt or just saving. and I was told to get rid of all debt and start from scratch. one less thing to worry about .

I am also about 40k in credit card debt.