Hello all,
I am new to the forum, so forgive me if I am asking silly questions. Here is my situation. My FICO is around 620, not sure what the rest are, my wife's score is around 595 and we currently have a 115% mortgage on our home. Actually, it is a 100% first and a 15% second. We did this to try to consolidate, but I am thinking now that it may have been a bad move. Anyway, we make decent money between the two of us (~$95,000), and would be fine paying all of this if we had a better rate, but I can't get a better rate until I pay down our credit card debt (~$14,000)...and we can't afford to pay down our credit card debt...because our mortgage payment is so high....any ideas or help is greatly appreciated.
jayray