If you get into another loan you want to make sure that you are not paying more than you already are. If you decide to take out a refinance loan make sure that you are aware of the upfront fees that often are included in mortgage loans. 

What about car payments? 

Are you paying a fortune on your car each month? 

If so there maybe an option that can get you some relief. You may be able to refinance your car, or else sell your car, making more money than what you owe on your loan. The extra cash can be spent toward a good used car. Sometimes used cars tend to last longer than newer cars and are less expensive to maintenance. Also, you could look into a repossession of the vehicle if your situation is out of hand. This will go against your credit report, but when there is no other solution sometimes we have to toss in the towel. 

Finally, you can increase your income by selling valuable assets or else finding a job that pays more for your worth. Sometimes we work and are paid less than what we deserve, so if there is a solution available by all means jump on it. 

Repairing credit has many essentials, but for the most part credit repair is just an illusion where many people do not take the step to repair.