And I can’t link a debit card from that bank.

I don’t have a credit card or score by the way.

Greetings,I am a 22-year-old college graduate with $110,000 saved up, no debt, a good credit score, and have been working full-time since July this year. 

Greetings BP,I wanted to share my parking "activities" within the BP community since I see this a pretty obscure topic. 

They could be here legally (visa, whatever) and waiting for their green card.

I bet you did not have that one in your bingo card...

I accumulated about 50k in bills/expenses on cards during that time  and another 50k doing renovation on both rental property and my primary residence.

Obviously, dont put an unqualified person in there, but with record credit card debt in America, and a worsening recession on the horizon, one can expect much worse credit scores across the board vs 5 years ago.I have struggled to place tenants in my properties before, and have fixed the issue by adjusting my screening parameters. 

My current situation - I have a FICO of ~630 (no late payments or derogatory marks, just credit card debt from school). 

I have a Associate Degree in a completely unrelated field.Seeing as how we are planning to make real estate the foundation of our day-to-day income stream and long-term "retirement" strategy, it feels as if making another change of profession is in the cards.