There will be times that someone who barely uses credit, but pays it off in full any month when they do, but also has a modest FICO because of the lack of credit usage and lack of paying interest (SURPRISE!

After several weeks of listening to back logged podcast episodes from since the beginning and after having created an account here on the blog, it's time to take action..

You can search the forums, blog posts, or search on google and just type "biggerPockets" along with whatever you are searching.

@Marsha Kay OwenWelcome to BP, and congratulations on making the decision to invest in your future via real estate.I have written a few blog posts that may help you get started here on BP, and with your investing.

I wrote this article a few months ago and it was featured on BP, here is the link in case you're interested: https://www.biggerpockets.com/member-blogs/11360/83794-how-we-purchased-our-first-3-rental-properties-out-of-state-in-1-year

I wrote a blog on the subject to save my fingers from blisters b/c people ask about SEC 8 on here so much.

Take a look at this blog article.

No credit card debt except a little "rewards points" on the side, modest/no car payment, 775 FICO, living well within their means? 

Check out my Blog. https://www.biggerpockets.com/member-blogs/12388-abandoned-property-adventure-on-wildsideIn defense of my idea, many jurisdictions such as where I live, Thurston Co.

I been looking through the blog post and I am so impressed with this community (reddit watch out!)