how can I refin, my home with the worst credit ever from a divorce.?
465119
you could probably refinance but you'd pay higher interest rates which would defeat the purpose of refinancing.  unless you're refinancing to get your ex off the mortgage.  the mortgage officers should have ideas on how to refinance even with bad credit.
179481
I have actually been where you are.  I had very poor credit for years (FICO score under 600).  Today, I own a home and have a couple of 0% interest rate credit cards with high limits.  I wrote a detailed credit-repair guideline called, "When Good People Have Bad Credit." \n\nI'm providing a link below.  Good luck to you!
1018869
Try to find a rent to own. My husband and I had bad credit and wanted our own home. \nWe looked in our daily local newspaper and found a 3 bedroom -2 bathroom ,2+ acres and all we had to do was sign the lease and give a 1000.00 down and we were in.\nA lot of rent to owns don't do a credit check. \nWe pay 640.00 a month and that includes insurance and water.\nWe pay 200.00 a yr in taxes. We have now been in our home 1 yr and loving it!
811675
Go to legal aid on Monday with your copies of all the papers including the receipts for payments. You may end up owning the mortgage company if all you say is true. I wish you the best of luck.
12932
Credit counselors probably would help.\n\nYou might find the book below to be useful.\n\nNow is the time to straighten out your problem before it becomes overwhelming!!
616920
Good job on making the changes you need to!  It's always refreshing to see people taking responsibility for their problems rather than just heading to bankruptcy court.\n\nIt may be a long shot, but you can call the credit card companies and talk to them about the credit report.  You might also consider talking to either a financial advisor (who would charge a fee but would probably give you very good advice) or a NON-PROFIT credit counseling agency.  If you choose the latter, make sure that you check with the Better Business Bureau or otherwise check them out THOROUGHLY - there are some scam artists out there.  \n\nI *believe* there are ways to "fix" your husband's credit report, but I'm not up on the specifics of how it happens.\n\nBest of luck!
793943
Contact the major credit bereaus. They can provide you tools to correct it without involving the law.
627087
I have a fantastic, totally new concept for you....STOP SPENDING MONEY AND PAY YOUR BILLS. I know this sounds strange to you, but you didn' t 'earn' that FICO doing the right thing. If you do not set about to repair that mess, you will never own anything of value, you will pay outrageous interest rates on any loans you may be able to get on a very old used car, and you will not have your pick of where to live...in fact,, I doubt if you could rent an apartment with that score. Wise up and get to work. There are NO miracles going to happen to save your butt. You got yourself there by not paying for what you took, and you are seriously in over your head. Start today to dig yourself out...it will take a lot of time, but you can do it if you set your mind to it. If you don't, prepare for a lousy life with no home of your own, no nice cars, no...NOTHING! good luck
1060639
What do you consider really bad? I'm a loan officer and I see people with credit in the high 500s get approved on loans for homes. if it is below about 620 or so you will probably have to come up with a 20%+ down payment though. There are a lot of companys that can help you improve your credit scores DRASTICLY in about 6mo to a year. It costs a little though. Also be very careful of "consumer debt counseling" they help you pay off all your debt faster by getting the companies you owe money to to settle on a lower amount, or "charge off" the balance. a charge off is what happens when a collector just says screw it we're never getting paid. Consumer debt counseling gets rid of your bills, but damages your credit worse than a Bankruptcy because it takes longer to repair the damage. I would contact a local Mortgage broker and see if they can prequalify you for a home. If they can't, ask for a recomendation for a good credit repair agency in your area. good luck!
667129
DOES YOUR EX WANT TO REFIN?IF HE DOES HAVE HIM EMAIL ME I DO MORTGAGE FOR PEOPLE WITH BAD CREDIT JOHNG@OLDMERCHANTS.COM
669823
There has to be more to the story than you are stating! Tell us more or you will not get good enough answers to help you. SHE had to sign legal documents and have them explained to her and in most states after a refinance you have 3 days to rescind!
362912
How bad is your credit, I'm located in south st paul and I work with 115 banks.  I also have a credit repair person who doesn't charge you up front.  He gets your credit good enought to buy a house and when you buy the house he takes his cut out of the closeing costs.\n\nGive me a call and I can see what I can do.\n\nJon Strusz\njstrusz@fivestarmortgageinc.com\n1-800-467-6344\nDesk #651-209-8493
1068830
Go to credit counseling in your area.
24928
Max out the credit cards, drain the accounts, transfer any possessions you personally own to someone else, then declare bankruptcy and file for divorce at the same time.\n\nI saw this on one of the daily soaps.  It worked in soap-land, so maybe it will work in real life.
880305
if they wont work out a forebearance agreement,then contact a bankruptcy lawyer, call HUD now!!!! you nedd to prepare to move in case.....good luck
1039914
You're looking for the FASTEST way?  Sounds like you want to rebuild or maintain your credit rating which filing bankruptcy would greatly damage.\n\nThis will take a combination of methods!\n1) Credit Counseling.\n2) Really frugal living.\n3) aggressive payments.\n\n1) I recommend calling one of the non-profit credit counseling outfits...you choose one.  They will do what it takes to get your payments to a minimum.  These no longer damage your credit appreciably (they used to).  I guess the credit scoring agencies (transunion, equifax and experian) appreciate the fact that you're not declaring bankruptcy!\n\n2) The really frugal living means not only tearing up your credit cards, not incurring or increasing new debt, etc. but ALSO cutting out what you do have that you don't need to survive *right now*.  Drop non-essential services like cable, broadband, cellphone, daily paper, etc. if you don't need them for work.  The reason for this is that it will allow you to do step number 3 better...\n\n3) Make _REALLY_ aggressive payments... big enough to hurt a little.  When you do this after the credit counseling folks get your payments down you can really do some serious disaster recovery to your finances.  If you have something to sell (that isn't  lien property or mortgaged) you might want to consider some quick cash to get the debt reduced fast.\n\nIf you have a financed car, you might want to sell it (even for less than you owe) in order to buy and own a used vehicle (you still have to get to work!!) that would do just as well  (you'll save on insurance too).\n\nTo help preserve your credit, contact all the agencies that you owe and tell them of your problem and let them know that you have overextended yourself and you're going to continue payments on the lowest of your bills and can they see about them getting their payments lower before you inevitably file for bankruptcy?\n\nGet a part-time job (if it makes sense)  This creates extra money to pay bills and leaves less time to spend it.  It doesn't make sense if you have to hire a sitter that costs almost as much as you can make part-time or if you have to drive so far that you spend your paycheck on gas just to show up.\n\nOnce you get into the swing of doing this, your debt will disappear...once it's gone...keep doing it for a little while and build up your savings.  Hang on to your savings (which will become your investments) and then start reading books by Suze Orman.  She's a really no-nonsense person with solid ideas (albeit overly opinionated) on how to get and keep your finances together.\n\nBest of luck.  You're embarking on a most worthy endeavor!
486181
Contact the institution you have your loan through, and let them know you are under hardship.\n\nThen start looking for another $20 job as fast as you can.\n\nDepending on how many years you have already paid into the loan you MAY beable to refinance it.  Call a local mortgage broker and see how they can help.  Consultation is free.\n\nSometimes our credit isn't as bad as we think it it, sometimes it is worse.  But there should be help.  A good mortgage broker or financial officer can help.