PIF them if you call each month (Pay in full).Good news is when you go to do a Refi, you can plan ahead and pay the cards off a month and a half before so they report the zero balance, your score goes up immediately.Also, two cards is not enough,  4-6 cards start helping your credit. 

Thanks in advance

Thanks in advance!

Thanks in advance

View report*This link comes directly from our calculators, based on information input by the member who posted.

We do not accept anyone with an eviction, violent conviction, or a reported instance of not having paid their rent.I do not see a need for a criteria above 3X.

one option is try to wire the money from bank to bank, something like this happened to me but I paid everything to escrow and they paid my collector. most of the collecto information addresses and phone number should be on your credit report.

Thank you for all your help in advance !

View report*This link comes directly from our calculators, based on information input by the member who posted.basically analyzed this deal best i could just started analyzing rental properties..loopnet ad barely had any info i just found some pictures on the inside and realizing that you would need more then 15k for rehab since it looks like it needs new cabinets in kitchens  would all depend on getting the deal right. ... thanks for any suggeestions and please let me knoe any good cities you guys think i should be looking at !

Do a couple of deals with normal timing, pay the lender back, then share the bank owned scenario with them, they might want to partner with you.And in the 17 years of doing business, I have never had a private lender ask for a credit report, an appraisal or an inspection, they did, however, want to see before and after photos and profit and loss sheets of deals I have done (a few of them anyway) Once you build up a reputation of doing deals and using private money, you can get funding fairly easily for regular closings and build a track record with those lenders and they might fund instantly at the courthouse steps