Debt Management, mortgage and credit news - a blog for the average consumer.

REFI not so easy any more. Good.

Refinancing your house became a way of life before the subprime mortgage market blew up. In the past, refi’s were done mostly to get a lower interest rate on a mortgage that had …

Second Mortgage, first headache?

It seems so easy. Need to get some money out of your house? Make repairs? Buy a new car? Leave your first mortgage in place and simply sign up for …

Three Credit Reports: Pay or free?

There are three major credit reporting agencies (CRA’s) in the U.S. and you are probably recorded on all three of them. Each has different records and different ways of giving you a credit score. …