Help! -- My credit debt is nearly $50,000, my mortgage is upside down by 25% and my fiancee walked out the door a month ago. I can't make my bills. I'm trying to sort out which route to go with the credit cards. A service like CCCS? Or some other route like Credit Elimination? Please help me understand this. Thanks
posted by antipode12 on Dec 6, 2009 - 26 answers

Can I get a loan or mortgage in any way? We currently live in a building that we more or less own. Technically, we own an LLC, and the LLC owns the building (and that's all it does), so home equity is probably out. We would like to buy a new house about half the value of this one, preferably without selling. However, that would require a loan, and we have lousy credit. [more inside]
posted by lgyre on Sep 17, 2009 - 8 answers

Surprise credit denial... of 4 cited reasons, two do not seem possible. Trying to rule out possibilities before I conclude there has been identity theft. So: can anything else be termed "mortgage" besides a home loan? What about "current credit card accounts?" [more inside]
posted by lily_bart on Jul 6, 2009 - 10 answers

What should we reasonably expect to need down for a mortgage when we move? [more inside]
posted by middleclasstool on Apr 29, 2009 - 11 answers

Buying a house soon: is it better to pay down my credit card partially, or pay off a small personal loan? [more inside]
posted by anonymous on Apr 3, 2009 - 5 answers

No debt. Dropping credit score. What can we do to keep our credit score up? [more inside]
posted by nomad73 on Dec 18, 2008 - 25 answers

How can I lower my interest rates on my credit card and mortgage? [more inside]
posted by anonymous on Oct 8, 2008 - 8 answers

I stupidly (and drunkenly) applied for a credit card at one of those booths at an outdoor event. Have I screwed myself? [more inside]
posted by Tbola on Jul 10, 2008 - 7 answers

Can I sell my place if I'm on a repayment plan for its mortgage? [more inside]
posted by hamster on Feb 14, 2008 - 2 answers

Subprimes still lending?? I thought that the subprime loan market was out of business. Why am I getting multiple calls from Household Finance claiming that they have "new programs" trying to lend me money I don't need? ps I don't have a loan with Household Finance. I don't know if they're trying to make a home loan or a consumer credit facility.
posted by tesseract420 on Feb 3, 2008 - 7 answers

Help me design the Best Possible Plan For My Credit in 2008. Ten years ago I had no cash, and terrible credit. Today I have some cash, and no credit. I want to make some good choices next year, based on a well-considered strategy. [more inside]
posted by cockwaffle on Nov 26, 2007 - 5 answers

HELOC or 2nd mortgage (fixed interest) to consolidate credit card debt in order to improve FICO score? [more inside]
posted by zzztimbo on Mar 15, 2007 - 5 answers

Help us save our credit! We're not sure why, but our mortgage company started returning our automatic bank payments a few months ago. [more inside]
posted by anonymous on Feb 3, 2007 - 6 answers

I recently found out that I've been a victim of mortgage fraud. In short, someone stole my identity and took out a ~400k mortgage on a house in MA, in my name and with my credit. Has anyone out there been through this? What can I expect going forward? [more inside]
posted by anonymous on Jan 5, 2007 - 16 answers

How can I Build Credit Quickly? And will taking a small loan out and paying it off way ahead of schedule be good or bad for my credit score? [more inside]
posted by ZackTM on Mar 30, 2006 - 14 answers

My wife (who only works part-time) and I will be applying for a joint mortgage soon. My FICO score is 800; hers is 670. How will a lender determine our interest rate when we have such different scores?
posted by boognish on Mar 26, 2006 - 7 answers

What is the effect of a mortgage on a credit score? [more inside]
posted by plexi on Mar 17, 2006 - 15 answers

A friend of mine has just taken on a large amount of debt since splitting with his girlfriend. What can he do to keep on top of it? [more inside]
posted by jeresig on Aug 8, 2005 - 20 answers