If your intention right now is to network and meet people, you'll benefit more from going to as many MeetUps as you can instead of the auction.  

In this post I'm going to describe my experience in using smart move and try to call out where I see benefits and drawbacks to the service.

Many years ago I was talking to a tenant at a complex we owned and she made a comment about her credit being so bad that she had to give a "double deposit".

You could also look at doing a HELOC (home equity line of credit) on your home, have some flexibility.

Said he was going to short sell it, and ruin his 800 credit. 

You would probably need to issue a W-2 for your wife.On $100K, it likely will not provide a huge benefit to add your wife, as you would likely not max out contributions in your own name, but having her as a documented employee of the company would allow her to rollover existing savings from another retirement plan into the account.

@Chana O'Leary,Have you talked to anyone about credit repair?

I also used a few credit cards and a 401k loan which is what contributed to my holding costs.

The benefits of the 401k, however, are mostly focused on higher contributions, which must come from the income of the business that is sponsoring the plan, so if you are selling $1500 on eBay, is it really worth going through the process of establishing and administering a Solo 401k?  

She can also benefit from an ongoing alliance here.