Your Consumer Reporting Agency (CRA) should be able to help you with this or feel free to contact me directly with questions.

I will admit laying tile is time consuming and not as much fun but its all a learning experience.

I'm relatively new to REI but have been consumed with learning the business over the past few months, BP has been an incredible resource for me so far.

I've definitely been lurking for awhile reading blog posts and consuming audio content - but there's a lot more to get done, especially the DOING part (not just consuming).  

As a company, we do our best to stay out of areas that are going to consume too much of our time and resources.  

It's not only of no use to consumers actively engaged in the mortgage process, but it can even be downright misleading.Freddie's data is intended as a long term tracking tool.

This information  (both positive & advers) is meant to create accountability with the tenant as well as allow landlords the ability to work together legally sharing their information through a consumer reporting agency like Tenant Watch. 

You'll find people who've had success either way so I would say... don't rule it out.

Credit 580, too much consumer debt.  

I think your father-in-law's attorney is mixing up something he read about the new TRID rules that started 10/3 that relate to consumer loans/ mortgages and is mistakenly applying what he read to all types of real estate financing.