By STEVE BUCCI, bankrate.com
Debtadviser: Check credit report before refinancing
Dear Debt Adviser,
Currently we owe $211,000 on our home and it is worth about $167,000 to $175,000. We have an interest-only loan and want to get out from under that before a higher interest rate and inflation hit. We have a credit score in the high 600s. Any thoughts?
-- Walt
Dear Walt,
Debtadviser: Save by fixing your credit on your own
Dear Debt Adviser,
I'm considering paying a credit-repair company for its services, but I don't know much about the firm other than it charges $100 to join and $30 a month for erasing bad credit items from your credit report.

