I want to take out a home mortgage loan and had a talk with lenders. They told me that I will get good rate if my credit score increases by 80 points. I want to obtain the loan in this year. Is there any way to increase my credit score by about 80 points in 1 year?

Last month and the month before I needed cash quickly to cover some emergency medical expenses and rent, so I foolishly went online and borrowed from four different companies. I did not read the loan agreements carefully enough and my monthly payments would come to a total of around $2,000, or around $1,000 every two weeks. I just do not make enough money to handle these interest rates. Fast forward to today and I have not made a single payment yet, revoked ACH authorization with my bank, and am trying to figure out the best course of action.

My credit score has dropped after settling a few credit cards. Will my credit score increase if I pay my rents and insurance premiums on time? Is there any specific laws in Montana?

live in Ohio and am stuck in Payday loan hell(my fault). I have a few loans out that I cannot pay at the terms of of the loan. All the loans are internet loans. range from 600-3000 dollars. Are there credit consolidation programs available for this. I want to pay but at this point my paycheck is gone just paying the minimum. I have not defaulted but I most likely will. Any information you have would be helpful

If I am unable to repay the entire credit card balance now, what makes more sense - continue making the minimum payments or negotiate to pay a lump sum and get rid of the debt. Even closing that account will be no harm

Zero sum budgeting - What is it? Does that mean I can't save anyhting?

threatening calls at my job regarding the balance. Gave my debit card info for pmt, collector is saying unable to process, received another call at work and she s/w 2 coworker and my leader, sharing my personal info. She called again 2/4, left a threatening msg, when I called back within 5 mins no answer. Not sure what to do.

How to calculate how much tax return will I get?

I had a negative item which was not correct. I guess due to that my credit score lowered a bit. I have disputed it. How long will it take to improve my credit score? Will it increase automatically?

I am getting calls from 2 debt collectors about a single medical event. Is this ok? One ois saying that they're calling for the hospital debt and another one is saying they're calling for the lab charges