I recently open a credit card to improve my credit score, so when I do start investing, I will have the credit to take out loans.

Rates have gone down to below 4%, so refinancing might also be in the cards.

Last year it was appraised at $300,000 and I took a $15,000 home equity loan out to pay the credit card before the interest came due.

Clayton,Mail to the heirs and not right after the owner dies but wait a little bit longer until the heir has time to grieve (maybe wait 3 months after).If you're short on budget, buy business cards, attend networking meetings and talk to as many probate attorneys you can.

I also purchased “Budgeting 101” to help me better get a handle on what money is going where and to start breaking down my old debts from school and credit cards.

SIM into a 2nd SIM card port and use it for business/emergencies.

Be sure to have a guest book for people to sign and many business cards...5000 sounds about right. 

If you are “maxed” out on your credit cards, this will affect your credit score negatively.

I received a call from a bank branch where I hold a credit card with no balance on.

I have some missed credit card payments on my credit history.