Asked by Downonluck, Iowa • Sat Mar 10, 2012
we have major bad credit scores middle score 573, we own our home and are not looking to buy another. But our lender is a "friend" So all of our "on time" payments do not show on our credit report-to help us that way.. We fell into a financial mess a few years ago- when my husband who is self employed did not get paid for a job (long story and would be lad to provide all the details to the right person that wants to hear it:) ) However,we are behind on EVERYTHING- Including my husbands obligation to pay child support, IRS, behind on credit card bills, utilities. Staying current with all bank loans We can handle the month to month bills but can not catch up from the past... We are in need of a hard money/ lnder.. No one will consider us for a loan- to either 1. consolidate all of our debt to one loan or 2. to refinance our house/ cash out to catch up everything. We are stuck between a rock and a hard spot.. We cant catch up all the lates on the credit cards- to improve scores.Plse help
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