Depending on where you obtained the credit report, many portals working directly with the agencies will offer the agency programs which allow a consumer to pretend to pay down or off other debts to see the score impact.  

@Chris Heeren Every state is different - check out your tenants law in Wisconsinhttp://datcp.wi.gov/uploads/Consumer/pdf/LT-Landlo...In IL the tenant has to continue to pay rent until a new tenant moves in

The simple answer to that question would be that not all lenders are created equal.It's your duty as a responsible consumer to do the necessary research on the institution and banker that's attempting to lend you credit.

However, as a consumer, you should know that the promoter doesn't break even until you've probably spent a few hundred dollars minimum.

Of course, you can go to court and sue to have the right to do what you want to do, but thats time consuming, expensive, and a pita that you'd rather not have to deal with.My father, brother, and me bought some commercial property back in the 80s.

I am avid content consumer who is "on the sidelines".

This is costly and time consuming.

What follows is a specific example:New contract-for-deed legislation passed in the last session of the Minnesota Legislature empowers consumers to make more informed home purchase decisions, requiring disclosures by certain “serial” contract-for-deed sellers and amending the injunction statute as regards cancellation of contracts for deed.The 2013 Minnesota legislature has passed a new contract-for-deed disclosure statute applicable to sellers who frequently sell residential real estate on contracts for deed.

Look at the National Association of Consumer Advocates.

Per http://www.alabamaconsumer.com/2014/03/mortgage-servicers-love-hit-consumers-bogus-fees-charges/ it's the servicer charging for it, not the true owner of the loan, and they could be violating FDCPA.Questions:1.