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Payments, you haven't updated your contact details, you have cut off communication with all your business dealings. At some point, your portfolio will reach the critical mass. But it needs to be debt that is used to produce a higher long-term return (e.g., student loan debt). It's entirely possible to lose all of your funds in a single day when making large investments.
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The last thing anyone wants is trouble with the IRS.
You may decide to be a sole proprietor or partnership. Break a personal deadline or if you don't get it right the first or fifth time. Having a better credit score means that you will get better interest rates on later, larger purchases likes homes and cars.
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