Refinancing My Mortgage - Part Two

“Have you ever been late on your mortgage payment?” That was one of the first questions I was aked when I talked to the loan consultant about my refinance.
This conversation took place in early November and I still had not paid my October 15th payment.  I had seen a copy of my credit report before [...]

Warning Signs of Too Much Debt

In a previous article, The Effects of a Missed Payment, I wrote about my attempt to convince my credit card company to forgive my missed payment and lower my interest rate back to the 5.99% I was paying before.  They said I would receive a letter with the decision once they had reviewed my account.
I [...]