Always use a contract (can borrow from the AGC) and have the sub provide you with a certificate of insurance for general liability, auto and workers' comp.

All debt information was laid out really really well, Income vs Expenses was clearly viewed, and if I recall, they even had a tool to auto create a budget for you based on past expenditures.

This info is then auto signed at the bottom of all your posts - just look at mine to see example.

-Try to diversify your credit obligations (IF YOU CAN AFFORD TO), banks like to see different types of credit such as home, auto, CC etc.

I was a mortgage loan officer for several years, then moved in auto finance.

While I came here almost my accident, I think I may hang around and possibly even go back to school.

I thank all of you for your postings, as I have gathered alot of interrestiong information here the last few times I have logged on.I will first explain a little who I am, and why I take interrest in this web site.I am a 35 year old auto mechanic who is looking for a better way.This all started about 2 years ago when I purchased my first house for my family.

The accident seemed unintentional based on their description.

For auto-loans, it's 15 days.For credit cards, however, there is no "shopping window".

Never heard of them but these lines in bold look either lame or suspicious (from the contacts section of the website):Corporate Headquarters: 7000 NE Loop 820 North Richland Hills, TX 76180 Email: email(at)yourdomain.com Phone: 817 . 727 . 4215 Fax: +00 (0) 000 0000 000I had to replace @ with (at) for auto-moderator to accept this post.