I'm very proud of my credit score, but don't want it to continue on its downward trend. 

we had a version of that out west.. but it was not offered to anyone off the street you had to be a premier client in the private banking system..

The 660k version comes pre-programmed with codes for your account.

I would love to hear from anyone who has taken this more upgrade (more costly) version!

Here's a question I want to put forth regarding my getting pre-qualified.Presently I'm putting the pieces in play to buy a duplex property or single-family home where i might an ADU in back to live in while I rent out the main house.This will be my first deal that I am seeking a loan from an institutional lender.My credit score is outstanding (820+) but I don't currently own any real estate.So my question - We often hear BP investors talk about the importance of meeting local lenders, credit unions, etc. in order to develop relationships with these local lenders.Since this will be my first deal in my name, am I better off simply connecting with a good mortgage broker rather than going to several lenders directly to shop for the best solution for me?

It’s such a score it’s hard to say pass....

As mentioned by others, you have to pay back the loan and can borrow up to half of your total amount but since you are borrowing against your retirement account, it also does not impact your credit score nor will it show on your credit history.

I currently do not have a credit score because my mom refused to allow me to obtain a credit card.

They both met your criteria (3x rent, XXX credit score, or whatever) so it gives the appearance you discriminated against her parental status.You can bump the rent and see who takes it, but I wouldn't bother with a two-year lease because the majority of renters never really know how long they will stay and are more likely to break the lease.

However, one appears to have a higher credit score than the other.