Hi, I am 22 years old. I have been trading for four years and I was interested in signing up for PM at ThinkorSwim. I put $125,000 in my account, submitted the paperwork, and completed the easy 20 question test. Somehow in my research of PM, I did not realize credit score was criteria. Since I have bought my car and the place I am living at outright, I effectively have a credit score of 0. Is there any option on the retail side of things or will I have to go prop to get portfolio margin? I am mainly interested in PM so I can expand my trading of ratios and straddles. Thanks for any help you can provide.