![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2853856/small_1702504303-avatar-charliek58.jpg?twic=v1/output=image&v=2)
11 February 2025 | 15 replies
You have a great credit score.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3137603/small_1731524191-avatar-cameronm308.jpg?twic=v1/output=image&v=2)
3 February 2025 | 15 replies
Using mortgage debt at 6-7% on a refinance to pay off higher rate debt such as a credit card at 15-25% is a savings!
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3151445/small_1732914253-avatar-mindyr13.jpg?twic=v1/output=image&v=2)
15 February 2025 | 5 replies
Also, the credits are "use them or lose them" - meaning, if you pay $12k a month for a 100,000 skips, then you have to use them all that month.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/39864/small_1621391872-avatar-sensitivejoe.jpg?twic=v1/output=image&v=2)
10 February 2025 | 24 replies
Conclusion: Don´t give your credit card infos for "free" products!!!
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1256561/small_1621510727-avatar-mattr239.jpg?twic=v1/output=image&v=2)
16 February 2025 | 20 replies
Our industry can easily get a bad rap for taking advantage of people.Hey Matt.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2102990/small_1695884063-avatar-tonyt218.jpg?twic=v1/output=image&v=2)
14 February 2025 | 12 replies
I think buying points right now is probably a bad idea.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/210512/small_1651683954-avatar-jfernez.jpg?twic=v1/output=image&v=2)
11 February 2025 | 10 replies
If you feel bad and want to save people money, start with a free pre-screening.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2961598/small_1709265130-avatar-maryannn4.jpg?twic=v1/output=image&v=2)
8 February 2025 | 7 replies
Then it shifted to more flips and rentals, with a lot of discussions on how to capitalize since the credit markets were frozen.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3179841/small_1738814279-avatar-palakp4.jpg?twic=v1/output=image&v=2)
14 February 2025 | 8 replies
Credit HistoryMany companies use credit summaries, but we find these rarely tell the whole credit story.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/633883/small_1621494281-avatar-chrisl174.jpg?twic=v1/output=image&v=2)
15 February 2025 | 3 replies
What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?