I have 25k in charged off debt, 6k of which is still reporting as past due (still receiving statement ec month) I need to refinance out of a 9.6 2/28 mortgage by Feb '08 but, of course, my scores are sub 500. My fiance' has a 589, 593, & 601 but make half the salary I do so doesn't qaulify on her own. . . now. We jumped on this house back in Feb '07, fiance on the loan only, and stated loan. The home(new construction) appraised conservatively for 300k during the buying process, we owe 230k. So far nothing has worked to get my score up. Our orginal broker claims threes months after chapter 7 filing my score will be enough to qualify for refinance with Fannie Mae. Any advice for me?
