You’ll want to utilize the card regularly and pay at least part of the balance off each month in order to generate positive credit report entries on a monthly basis. •Personal loans – By going to one of your local banks and explaining that you’re trying to re-establish credit after a bankruptcy you should be able to convince your banker to lend you a small amount of money, say $1,000 or so, backed by a corresponding savings account or Certificate of Deposit (CD) account.

You should not have any bank loans on your credit report (maybe a primary residence) so your DTI never matters.

Hi Taz, the main reason that I would avoid a bank is every loan that you take out through a bank is going to show up on your credit report and this hurts you in a couple of different ways. first, most lenders will only allow you to have a certain number of mortgages open at one time.

CNBC just reported that the median income for men is $45,113 and $35,102 for women.The Gender gap is still here and is W I D E!

My screening service has a confidential "tenant report card" for bad tenants where you can list a tenant and what they did to your property (which I am currently filling out as i have so much damage in such a short period of time--from a lawyer no less)but it is just for my state -a landlord would have to use my service and her name would come up--she and her deadbeat "fiancee" moved to Texas and I wish their new landlord could have found out about them.Any ideas or thoughts from anyone?

When I sell either, do I need to report that to anyone, or to anyplace?

The type of buyers who will look at your home in your neighborhood can help determine what rehab to do and at what cost.Exterior landscaping or gardening should also be consistent with the home's potential buyers.As the saying goes, "curb appeal" but also leave something for the buyer to make it his/her own.I hope this helps your creativity!

The Call Report Instructions can be a good source for this and the web site www.ffiec.gov should have an area where you can find the instructions.

According to OFHEO's latest House Price Index report, CA is generally in a very bad position.

I don't think it's so terrible, you just have to have a back like a duck's (-;, and be consistent in your decisions and policies.