James Vermillion- That's true, in a perfect world I'd love to have that all paid off before December.I have a question (one of many to come, I'm sure): I keep seeing something called "yellow letters", and when I looked it up, it looks like handwritten letters on yellow legal pad paper.

This is still true even if you pay market rate for rent.

As a result and in addition to their inferior fees and rates, I'll have to get slapped with an appraisal that costs around $570, which is almost 50% over the true market rate.

Kudos, Mary @mary B,That is not true.

Looking at a credit report is only scratching the surface of making a lending decission and using credit as a justification for more profit is more of marketing ploy by a lender than a true risk assessment.

The other 350 dollars I got out of a credit card.

I have registered with Active Rain, a while ago, and was paying around $49 pm, after 2 months I asked to cancel, they ignored my request and after 7 months I discovered that they were still charging my card.

Her credit score was in the 560s and I took a chance on her as she told me that her ex-husband ended up ruining her credit score after the divorce.Looking back now, everything she said seems be true and I think her credit score should be 800, not 560.

If the former owner had filed bankruptcy, and the lender had not obtained relief from stay, then the foreclosure sale was invalid and may explain why they rescinded the deed (if that is in fact true).

Now, if I play my cards right and work hard and have some preparedness to meet opportunity, then maybe I will be able to "talk" about the luxury of diversification.Having a marketable education and/or skillset can go a long way to keep you afloat in good and bad times.