Realistically the best solution would probably be to repaint a different shade but I know thats costly and time consuming.

Just make sure to consume contents here as much as possible and feel free to ask any questions you may have.

However, your consumer credit score (the score you are likely seeing) is a bit different than what your mortgage credit score will end up being, and it's generally higher than your mortgage credit score.

Consumers begin to panic and sell properties at a loss in order to recoup much of their investment as possible.

Just a note on qualifying for HELOC's they are a consumer product.

Going to court yourself is gruling and time consuming.  

I was pretty good at it, but it was really time consuming and taking my time from really could've making moves elsewhere.

This negative position can consume years of cash flow to recover.

Eyes-wide responses from consumers make me think that the latter two bullets are niche knowledge and/or that most lenders have additional overlays. 

So I’m guessing that you work for free as well and you volunteer to do all the work for your customers for free too...The places I have received all of my training from have all been highly regarded real estate investment businesses that are world renowned and when you are asking the experts to teach you what they know or how to do something you bet your you know what you are going to pay for it, and as far as the software goes you are full of it, because as a former IT Specialist I can tell you emphatically that no business out there that has a program worthy of any real chance at being an effective product that the mass consumer will be will to use continually in a given field would ever just give their software away constantly because if they did they would be bankrupt in less than their first year.And finally, I know the laws and rules on marketing and such, because believe it or not those worthless companies made sure they added those important notes within their training, such as we can’t even advertise in CA, AZ, ID, ND, NC, NJ, and NY because those are the states that require the broker “license” you mentioned.