I have been doing plenty of reading (definitely a popular trend I see in here amongst the newbies), perfecting my credit score, working on a plan to approach this, setting my short term goals as well as long term goals.

I am trying to figure out a method to identify the best place (Metropolitan Area) in the US to find a "buy and hold" property.A common method is to identify several parameters, score each of them.I identified the following parameters:Unemployment in August 2012 (from city-data.com)Unemployment trend (from city-data.com)Zillow Home index valueZillow Rent indexProperty managers accredited by BBBCan you recommend a different method?

You might also try credit unions.

Try local banks ans credit unions.

I am thinking my only solution is to go with the sellers to the credit union and explain the situation and see if they will allow the note to be left in place for a few months and freeze the line.

Anyway, apparently in the mid 2000s, a group of enterprising individuals figured out that if they dropped a ton of credit card apps at the same time, the credit card companies would approve them before they realized what was going on and the hit on their credit score would be minimal.

Credit unions seem to offer the best packages, depending on your needs of course.Forget PNC Bank- it will be faster to found your own bank then to open a checking acc with them. 3 branch visits and I am still waiting on their call back.

Both of us have credit scores above 700, a combined income of 120K+, a business plan, etc.

This is a bit like selecting our politicians based on SAT scores - very imperfect, but at least you get the smart ones in office instead of the weird politicians that most democracies seem to have.But I do think they will face several shocks over the next few decades as they transition from a controlled economy to a free market.

Hello all, came across an article from last year regarding Fair Isaac finally giving estimates on how late payments, foreclosure, bankruptcy, etc. affect credit score.