lately i have been in a slump our income has dropped and i was looking to open a loan account to pay off my debts. but i have been denied. my credit score was in the mid700's and now it is the high 600's. i never missd a payment and always paid on time. I just dont know what to do. i feel i cant keep my head above.
Try looking at your full household budget. Almost everyone spends on 'wants' that can be cut back on. Those morning coffees/lattes, cable/satellite TV, name brand food items, salon trips, vacation trips, too much house/car for income, etc.
Consider a 2nd/3rd job.
It can be done, might need some belt tightening though.