Also, I had been putting the large expense of buying new products for my import business on credit card, incurring about 20k in debt every September in preparation for the holiday season.

I already have my business cards and have given them out to friends and family and local businesses around town.

So I am stuck between a rock and hard place with this.Other than that, I have a small credit card that I am working on paying off.

Get a student credit card and always pay it off before the end of the month.

For the moment I currently dont have any credit cards, or any credit.

Learn the ropes and build up money and then ask them to partner with you on a deal to get you started.Make credit from okay to excellent and start paying off high interest cards.

I have paid everything off and have been on time(credit card and auto payments) for a year to show my credit worthiness. 

It was kind of strange opening up the paper this morning and finding myself in a photo (the guy in the blue shirt behind the guy with his bid card up} blaming the Marion Co tax sale investors for the blighted communities in Indianapolis.I think the article makes some good points, though.  

Save your $200.00 and attend a local meetup.com REIA meeting to shake some hands smile pick a few brains and exchange business cards.

Don't go ape on this, it's harder to explain in words than it is to wire-up in Excel and get the answers :whew:Personally, I was driving down the LTV with additional principle payments so the outstanding balance was diving at the same time as the ARM changes were climbing, and that was close enough to be a push (aka card game '21' term).