Even if he finishes the second time, will he not take much out of it and be like one of the people on this thread declaring college is useless?

You're throwing away $180/yr.I agree that any place can be hacked, but my concern is not that, but instead a reputable vendor that is less likely to declare bankruptcy. eRentpayment was NOT hacked, but instead they are a small shop, using perhaps a less than reputable vendor for the ACH transfers that declared bankruptcy and basically said "too bad". 

I was in court with them as well and discovered a few things…- David McLeod recently declared personal bankruptcy from what I can tell, so you won’t likely get any money from him

So it makes sense for me to do that.John, Depending on the type of mortgage you received, you probably signed legal documents declaring your owner occupancy, so you can probably find them in your closing documents.

You can avoid issue multiple ways- Apply simultaneously to helocs... schedule them to close within 2 days from each other - OR apply for a commercial mortgage (which means with a commercial lender of local small bank) keep heloc at zero and declare it... they will always disregard it- OR apply for a loan with Lendingone (I can give you a good contact if you PM me)... they completely disregard any line of credit you haveAs far as credit score:Initially they will lower it as any new credit you getThen they will increase it because you are increasing the denominator of the ratio of how much you borrow VS how much is available to you

Then August 13 was declared "THE" date.

On July 4th it's time to re-declare your independence.

When I was 17 I was diagnosed with a rare muscle disease that left me bed ridden and in non-stop pain for 2 years.

However, applicant provided me a copy of an S-CORP declaration from the IRS and the last 4 digits on there do match.

Then use some service to get the BG, Cr, and eviction reports.CR reports require:  full name, DOB, SSN, last known address, and previous address.W/o the first three, you get no reports at all.ask residence questions:current addr, previous addrname and phone num of eachWHY are you movingask family questions: names living with you, petsnumber / license for carsphone / email addressesask employment questions:where & how longmanager name & numbercurrent income for each adultat the bottom, be sure to state"I declare the above statements are true and correct and agree that they are part of the rental / lease agreement.