I am struggling with this one morally bc I definitely believe in karma, so I don't want that to come back to haunt me.

Bill,Thank you for the reply and boosting my confidence in my purchase!

I used one on the site called "CreditKarma" ( I think there's one at myfico dot com too) and found that actually adding one more card with a 10k limit would boost me over that magic 700.

I don't invest in your area, but I can lend moral support.Good luck with the first step.Sam

Been a while since I said anything on this thread.1) The ethics issue - It's like the old moral problem from college philosophy and psychology classes ( can't remember the name) would you steal medicine to give to a sick child.

Money, not morality, is the principle commerce of civilized nations."

Many people that know me personally will tell you I truly care for people that want to do better for themselves, in an ethical and moral way.This post is necessary for everyone to read, but also a warning for those of us in the game a while as this unfortunately happened to me recently here in Chicago, Illinois.I love seeing when people first start and have this "deer in the head lights" look.

not sure the legality but morally it seems this would be the best thing to do for her and I know she would appreciate the care/thought.

Moral of the story is, it wasn't broken so I didn't need to fix it.

If your goal is to boost your monthly cash flow then your monthly debt service may be too high at 100% for make it work.You are right to bring up cash reserves - this is very important regardless of what your goal is.Good luck!