At the time it was not added because I did not have a balance. I forgot about the monthly fee.
Actually his suggestion seems good as it stands, especially since not sure exactly what you are doing. HELOC's I don't do. Watch out for seasoning requirements. IF you just bought the darn house, can you get $150K ? Just make sure you can. Sounds like a good plan sell the darn thing and do it again. Do them as fast and as furious as you can. if you can make $100K a pop. Minus well do 10 of them. Find money partners and go to town. Share the wealth, share the profit, make a killing see you in Hawaii.
I agree. If you go to MyFico.com and download that booklet on understanding credit, you will see that it emphasizes not opening credit lines you don't need. Translated, if you have a card or cards that are versatile enough to be used in a variety of situations, then you don't need to open a new line of credit. Anytime you open a new line of credit, there will be an inquiry and you run the risk of negative score impact.
Title laws differ by state....sorry, ask your local tax office
Paid off balance on 9.9% CC, then transferred all remaining balances to 0% chase card. So for the time being I am interest free :!:
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