I can not make mortgage payments and exorbitant money was referred to a specialist who request a loan modification mortgage your house, he advised me not to communicate or receive calls from my holder the mortgage. This happened for 4 months to get my payment and I barely the amount of outstanding issues, I’m having a lot of scope, and my mortgage company to call me on September 24 that I must do. I do not want to lose your home but do not know what step to take now.
Just looking for ways to increase my credit score other than getting a credit card.
Do phone bills, student loans, renting an apartment, etc. factor into credit scores? If I have never had a credit card or a house, could I still have a credit score based on other things?
any other point dings – specific numbers that would decrease a credit score? I purchased a house three months ago with an A+ credit score and last week tried to take out a small loan for a boat and they won’t touch me because my credit score has dropped nearly 100 points. How many points, [...]
My parents are getting older and they still work and if they go down due to sickness i will have to fill in, but i can not be johnny on the spot, is there an type of insurance that could jump in before me., in reference to the house payments.

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