<prompt> Human: Married with 2 kids, one coming in 5 weeks. My credit score has actually risen from 530 to 580 in the last two months without me doing anything - really not sure why. Im a freelance consultant, and I plan on continuing to work for the rest of my life I LOVE what I do.Main expenditures are just going to be home, cars, and an office.We use Mint and Credit Karma to monitor everything, we have strict budgets in place, we know exactly how we plan to invest and save, etc. Nobody else will know. My consulting income will just appear to have become more impressive to family members.I have about 8,000 in student loans, debts, closed accounts, etc. from when I was unemployed and pulling every last stop to keep my family from homelessnessstarving. I plan on calling every single one of them with the laws open in front of me to contest validity, negotiate price, and earnestly request deletion.The plan is to get 2 secured credit cards if I can, keep them under 30 utilization, etc.I havent owned a home yet, and we have one in our sights - we will be using the FHA home loan and will only need to put down a 3.5 downpayment.I work as a freelance consultant just starting this year, havent yet made any kind of LLC or filed taxes or anything and have no real job history long story of being screwed multiple times on starting businesses, being employed by malicious family members, abusive living situations, etc..There are a few questions on my mind:- Can I set up a trust to pay out to me to give me stable income in the eyes of lenders?- Can I apply for two secured credit cards, a home loan, AND two car loans if the car loans are 75 paid off? I really want to have 5 credit accounts as fast as I can and keep them in great standing. Will this be a major problem? All of those applications would be secured. If not, Ill just buy the cars outright... Id hate to do that, though.Any other advice? Id love to hear input from as many wise man as I can .  <response>: If you have a half million bucks I dont know why you would do a FHA loan. Do enough down payment that you are not paying mortgage insurance as its basically tossing money in the trash. 