@Francis Rusnak most of the credit screening agencies have made a few changes that allow easy compliance with this law.

I live in Boston, a very competitive housing market, and it is a standard for real estate agencies to charge a 1 month's brokerage fee when you sign a lease for an apartment through them.

For example, the avg annual home price appreciation rate in Jacksonville, FL is 4.3% per year (source: Federal Housing Finance Agency, www.fhfa.gov.) 

Unfortunately, the internet has made every worker very well-informed in regards to the laws and the millions of dollars workers can get and all they need to say is they breathed in some asbestos, whether or not they really did.The proper thing to do is to get asbestos testing before you smash down plaster walls and get an asbestos clearance from the testing company.In California, the Air Quality Management District is a huge $50 million building with maybe a thousand workers and not one penny of the AQMD comes from a government agency.

Best to turn over to a collection agency and take what you can get, often 0.  

I know the Oregon Agency will shut you down regardless of license or not.

Early discussions have been to manage our own rentals, and have most repairs done by an outside contractor if needed (we both work 9-5 jobs and I own an insurance agency). 

I am a Pittsburgh native and currently work for an insurance agency on the North Shore.

Seller had creative financing to start from multiple state agencies so closing took closer to 2.5 months.

If you used the HELOC to the max, your credit utilization is probably 80%+... and the credit agencies consider you are maxed out on all your credit cards and about to belly up.Most of credit cards and bank accounts now offer free credit score insights and history - you should be able to trace the score drop to the HELOC balance increase, or to what events caused what change.