I owe 74,000 on my mortgage and the market value is about 175,000. Id like to get into another home but I am in the very beginning stages of rebuilding my credit. I got added as a AU on my moms CC. Sence then I have 1 secured cc, capital one plat, victoria secret and jcrew cc. I also am doing a secured loan through self lender. I was able to get lots of stuff deleted of my credit report but still have a few collections and charge offs 1 of them being a repo car loan where i owe 8k but they are williing to settle for 4k. I spent a good bit of money trying to fix my credit when i probably should have filed for bankrupcy but i chose to repair. I know its hard to give me opions not having the full scope of my profile but what would you do if you were me? Just keep what i have and let the trade lines age and see where i am at in one year or.....
