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,

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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.

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