Payment history is the biggest portion of the score in both FICo and Vantage models, but not the only factor.As the OP mentioned, the high utilization is likely the greater contributing factor to the 600 score.A credit is merely the numerical representation of a person's likelihood of going 90 days late anytime in the next two years.

Both have been mentioned numerous times by guests on the Bigger Pockets podcast and I have detailed notes to both books.

Both have been mentioned numerous times by guests on the Bigger Pockets podcast and I have detailed notes to both books.

He had many questions and had thoughts of the numerous possibilities the waterways offered.

I've spoken to a lot of people, listened to / read numerous podcasts and books but one thing I'm curious about are what the experts or most successful folks would do differently.

In my experience, an "Investor Friendly Realtor" is one that would be willing to search for properties and write up numerous offers in order to lock up properties for the investor who he/she is working with.

Both have been mentioned numerous times by guests on the Bigger Pockets podcast and I have detailed notes to both books.

Both have been mentioned numerous times by guests on the Bigger Pockets podcast and I have detailed notes to both books.

We have numerously spoken about the idea of partnering up for a duplex to house-hack.

Where is the best place to source countertops?  Want to price both laminate and hard surfaces for a buy and hold property.