You are trading hours for money.

We would like to trade information and ideas.

Same trade, different company.

I was "traded" last year to a subsidiary of my long-time employer and that subsidiary is now an independent company.When signing up for benefits this week, I noticed something unusual about their 401k offering.

If you're reporting interest of $600 or more that was paid to you in the course of your trade or business for a loan secured by a property, it's mortgage interest and should be reported on a 1098 form. 

So it’s a trade-off for sure some of my offers will not be excepted but the realtor is not running around spending time showing multiple houses. 

If they can't swing a $500 hold, then I can't risk renting to them.

Basically just swing it along the wall until the magnet sticks to one of the drywall screw heads.

Won’t that negatively impact my credit score since it’s trading one type of debt for another?

Trading time for experience may be an option.