Well this guy sold me my house when he worked for Hodson realty . They made a deal where i would pay them 5,000 for financing the house then charged me 8%interest and gave me a year to apply for financing or it would go back to Hodson. I got it done . So if you mess up your credit and find your self at the mercy of the reality people who operate with in the law. Then its your own stupid fault.So don't use that credit card unless your on the street starving.