In efforts to contact houses that fit our criteria but having issues finding the best service for mailers, post cards, or traditional hand written letters. 

Now today on the 20th at 130pm with a close tike of 3 pm, the underwriter decides that they don't like that because I'm so young and so fat have only been an authorized user on a credit card (having been renting and paying for utilities for a year though) and haven't been making the payments, that now I would need to have a cosigner (which doesn't really work since everyone I know have too many write offs) so now I'm in limbo while I wait to see if there's any other solutions.

Or use your credit card or get one if you're able to, preferably at 0% interest.

Does anyone have any experience with the Aven HELOC card?  

Taking on deals like this that decrease wealth, such as low return high upfront cost whole life insurance, paying 19% interest on credit card debt, paying 2% annually to have a “wealth advisor” place your money in Vanguard Index Funds, paying for a high cost mortgage because you’re credit is bad, and “debt consolidation” programs are all reasons adding up to why many people can’t achieve financial independence and remain dependent on working every day to live paycheck to paycheck.There is a chance that in a particular circumstance any of these, including the program offer you describe, can be beneficial in certain specific cases.  

Use your heloc as a bank and put all the Money in the heloc, ask for credit card at 0% APR for 15 18 month I have list of them put all the money ont he heloc. 

NACA could call the loan if they think you didn't make a necessary choice, they do not consider paying off credit cards as okay.Your HELOC lender can also close the line if your FICO goes down or they find out they are in 3rd position.NACA is an amazing product no down, no PMI, low rate, no fees - you sure don't want them to call the loan.

Do you see a lot of borrowers with more debt that just a credit card and car payment? 

But if you later apply to another loan and you have, say, a $0 balance on your heloc, they might look at it similarly to having balance on a credit card, which doesn't really add to your DTI.  

They seem to look at it as the balance you have on a credit card - it doesn't increase debt if you're not using the funds.