They go to the commercial sales desk, get rung up, then the place calls you for a CC #... then have them send you the expanded receipt.My contractors bring their own tools, and I'm not really too concerned about them stealing my 2x4s or hardiplank.

If you chase these, you're into short sales and there are special rules (eg California 1695 cc).

if you have 900 dollars on a CC, pay it off. carrying a balance on CCs far outweighs most investment mechanisms (ie if you have 1000 dollars on a cc paying 14% interest and 1000 dollars in a cd making 6% interest, how much are you making?

Although it sounds like a great deal, sometimes it's better to walk away from one, especially if you feel like "it's the only one out there".My advice would be to establish yourself, get rid of the "new" car and whack the CC debt.

I don't recommend being 51k in student loan debt and 6k in cc's and plan to take on more risk by owning properties.

I don't know if he works that far out into CC County, but you can email him & ask (tell him I referred you):Glen BellBroker/OwnerMy East Bay Agent LeasingOffice: 510-900-9400 [email protected]@sbcglobal.netwww.MEBALeasing.comGood luck.

I will definitely look into J Scott's book and local CC evening courses.

File a Charge back with your CC company. 

Also note: My credit is steadily going up, I will be at a 700 in no time, I don't have much of a savings, but I do make small deposits bi weekly to keep a trail that I CAN save, and no huge debt ( just a small secured CC ) aside from normal household expenses/bills.

@Brian C Headrick I would start calling all the builders in your area and get quotes from them.