As doing each of these things: a few store cards, a major CC, and a car loan will get your credit back up.

I have no CC debt, about $17k in student loans, and very little money saved up at the moment (all the money that I've earned in the last couple years has gone to tuition).

Meetup Has a small club for San Luis Obispo, It's the only one I've found in this community so far.http://www.meetup.com/CC-REIA/

We had a young Marine buy a place & we held the HMLHe admitted that he didn't have a checking account or a CC so the filing fees, legal fee etc were paid in cash as we proceeded with the close.Then finally he laid out the balance of $13,000 in $100 bills.

I decided that I need to spend less, save more, pay of loans and cc's then invest in something that has a quicker more guaranteed return of investment.I decided to go the buy and hold route, and some possible flips.

I was lead to believe by several banks, and cc companies I could qualify for a secured loan or card.

Also, if I buy with the equity loan I will only have about 75 bucks in cc and no down payment which is attractive.

Income(2500) - Expenses(2045) = $455 CF/M.CF/M(w/o vacancies/repairs) = $830Cash-on-cash = Annual Net/Cash Invested.CC = Annual Net(455)(12months)/Cash Invested(30,000)CC = 5460/30,000 = 0.182 = 18.2% CC Return.Looking at these numbers, the deal seems sound in putting me in the plus.

Rents total $1638/month, mtg - $415, cc pymts - $350, taxes 762/yr, insurance $186/qtrly.

I just finished reading CA CC 1695.