Your existing loans should not go over 50% of your net monthly salary, too.

If home improvement is your goal, consider taking a home equity loan. If you use the money you earn from a refinancing, mortgage rate does not really make much difference.
Once you have collected all the necessary information, choose one that best suits your needs and requirements.

Do not get a new loan from them, unless they can offer you lower interest rates.

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They are financially drowning, due payments, and are looking for a way to reduce their payments.
What should you do to improve your credit score? First, you have to repay all your debts and household bills.