My credit score is in the mid 700s but my debt-to-income ratio is too high.2.

I called to pay the bill the minute I got it(roommate was already behind in rent so I didn’t expect help)They wanted to charge me interest...lolIf someone has a very good or higher credit score, why not settle with them first?

@Jay HinrichsDoes this affect your credit score down south?

It may not be incredibly accurate, but something to think about!

I know it stays on your record for seven years but if I manage to bring my credit score up do you think I will have issues trying to buy in the next year or two.

probably going to have to hunt harder for those willing to do non owner occand credit scores will need to be very good and LTVs will get lowered. 

Credit score and debt.

I recently turned 20 and I was looking into purchasing investment properties and I was wondering how could I get a loan without having a credit score

Incredible. 

As a contractor myself I was excited to see this as a resource, when I saw homeadvisor I was pretty upset.Homeadvisor preys on contractors, sells them bogus leads or over used leads, locks them into incredibly high prices which dont get me wrong if your getting quality leads you pay but there leads are literally wild goose chases.This is so prevalent they filed a class action lawsuit against them.Please do not use home advisor, shop and vet you local contractors.