Greetings and salutations, good people.While getting some direct mail together here in Colorado, on a few occasions I've come across owners' mailing addresses that have a "no mail" designation in the public record.

She opened her first secured credit card for $500 (you have to deposit $500 to get it) and then 6 months later applied for a regular credit card, and then a few months later another credit card.  

@Sean CavanaughFirst of all don't be so quick to pull out the race card because you didn't qualify for refi that would have saved you $2400-$2000 a month.Based on the limited info you disclosed you were denied, in my opinion, because you're dti's ( debt to income) ratios were too high.Care to disclose what your dit's were when your loan was run through desktop originator so we can get a better understanding of your loan scenario?

Sometimes with our younger applicants they will have 0 credit, which just means they do not have credit cards in most cases which is not necessarily a bad thing.Does your report provide specifics such as derogatory credit and non-derogatory credit?

@K.D Neider , click on the Support tab once you are signed in and the most popular article is "How do I record a voicemail greeting?"  

This makes the well-known "credit card trick" more difficult to execute effectively.Get a stainless steel door frame or an extremely sturdy (ash or oak) wooden frame.

greetings. roland here. 

2 months security, a co-signer, and have a debit card on file that you run the first Friday of every month for the rent.  

How about an amazon.com gift card and a hand written note as well as letting them know that you'll use them for the next deal that you need to get listed. 

Such as business cards and tools and mileage (I travel 3 hours to the town where my flips are mostly located)?