So my wife and I got married recently and given the obvious financial circumstances we had to use credit cards for our wedding etc etc etc.My credit score is not bad but I'd like it to be higher.

@Robere Istatia,Performing notes are very easy.1) They get paid monthly just like you.

Easy to work with and manage online so far. 

Also, @Joshua Dorkin answered you second question way better than I could in a short and easy to understand way. 

I use 8 different forms form them, in letter size (not legal size) and carbon copy - makes for easy fill out on the spot.

Allowing some agent I don't even know get an easy payday of $50,000? 

In hindsight it's easy too see.I don't see any unhealthy development, at least not yet.

I used to chase the easy fast profits, and in the long run have little to show for it.

That, of course, was back in the wild wild west of lending when home prices were skyrocketing and loans were easy to come by.

But you don't have to do it in such a way to limit your active investing.Use refinances now while money's easy to separate your debt from cash properties and personal from business.I'm guessing that IN has protections for homeowners and your primary residence.