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Michael Petrone asked: Many homeowners are trying to refinance a mortgage. However, with such a bad housing market and economy, some people are getting denied. Here is some advice what to do when denied a mortgage refinancing, and how you can get approved.Many homeowners, on top of not having good credit, also have seen their [...]

Eric Barnes asked: There are a couple of reasons for this. You can pay your bills on time for years and never gain more than a few points on your credit score.As you probably already know, paying minimums on credit cards and bank loans do not lower your principle amount very quickly. When your balance [...]

Chad Nicely asked: 1. Income LevelPretty self explanatory. They will take the income that you report and conduct what is called a debt to income ratio. Basically if you are not able to satisfactorily pay all your debt and still have some left over. Then your debt to income ratio will not be approved.2. Adverse [...]

puppiesnmarshmellows asked: I just did my credit report online, and my debt to credit ratio is 83%. I know what debt to income ratio is but when i googled it it told me that debt to credit is how much of your credit you have used up. Now i went back to my credit report [...]