Why am I having trouble with a 500 score, when the ads say 500 scores fine?
In July of 2013, I became permanently disabled, cutting my salary by more than half. As soon as my bank (with whom I had been for 35 years) found out, they cancelled my line of credit (only $2,000), causing a trickle down problem with credit cards etc. I have tried to work with creditors, but not getting cooperation. Income is fine and LTV ok, they say. No mortgage lates.