@Tara Piantanida-KellyPlease ignore non-governmental sites except perhaps those of a law firm who do NOT sell RE programs* on the SAFE Act or Dodd-Frank.

I know myself, so for me personally I don't take cash because I'll loose it, spend in the candy machine, or my kids will sneak it out of my wallet.

I'm running a candy store and you're running a super market.

Actor James Garner has passed away at age 86. 

ATR was addressed specifically by Dodd Frank (not the SAFE ACT or any other) and can only apply after the effective date. 

Many were headquartered in Florida.And they were out and out bad actors...

Usually retaliation only applies to a protected act or a public policy .

For a referral between agents, one agent having a business relationship with a client must give consent for another to act or represent that client and the other agent must agree to do so.

Question #1:Short answer:yes, usually.Longer answer:It depends upon the model that is being used.There are models, i.e. predictive tools that forecast various outcomes.Some models predict the likelihood to become 90+ Days Past Due (DPD), to declare bankruptcy in the next X moths, to open a retail credit card, to open a bank card, to open a premium bankcard, to revolve a balance, to pay down debt . . . . well, you get the picture.Most often closing a credit card does hurt one’s credit, i.e. depress a consumer’s score, because the credit card’s available credit is removed from the denominator (all credit available) that is used to calculate utilization, the mix of credit card changes (esp. negative if the credit card is a higher-end card), and one’s credit history is shortened (assuming the closed credit card has been open for some time).Question #2:The quickest way to increase one’s credit score is to use of the many outfits one sees advertised, i.e. credit repair, credit fix and one will usually see a quick bump.However, like eating candy when one is tired, one gets the sugar rush (the increased score) but there is always a crash (when the bureaus catch up to this questionable practice).

I now wake up to 30-40 emails just from Bigger Pockets.I have just moved to Toledo, Ohio and started buying quite a few deals here.I feel like a kid in a candy store lollolFeel free to connect and reach out, I always love talking shop :)Thanks and have a great day.