I grew up in the south eastern part of Pennsylvania (about 1.5 hours from Philadelphia).  

The rental market is really good there especially in the eastern section by Loyola.  

And I was using debits and checking before, didn't believe in credit history, always believed in cash is king, still do, but now I am building.

Prepare a loan package that you can deliver to multiple lenders - it should include the financials and a one page summary of the asset, its performance history and what you are requesting.

Makes you wonder if, in the history books 500 years from now, it will say, "Central Banks Collapse Currencies."

I make the recommendation based on credit history and care for my apt.

The Norris Group has been making a big push in that direction but I am a little too far our for The Norris Group (eastern Kern County) but I am hoping to find a lender in Bakersfield or southern central valley with a similar program.

Will, If you think, TLO is scary you should run yourself through Experian, and you will get a 20-year history plus data you think should be private.

Do you find the service helpful in screening applicants credit history?

History indicated that when the HAI reaches 40%, we are at or close to the bottom of the housing market.