Resolved Question: How can I sell my home fast?

I'm mad. Checking my FICO score from one of the 3 major credit bureaus, I see a score much lower than I expected. Upon review of the factors that impacted my score most, are 2 new factors I have never seen before. Both center around the idea that my home loan has too little credit available on the loan. Each just says it differently.

My home loan is a refinance. The financed amount does NOT reflect the value of my home. Therefore the "available" credit is technically much higher as you calculate my equity into the picture. In addition, as a refinance, there wasn't a down payment. I did that on my initial loan many years back. Since they know many homeowners recently refinanced, it's like they want to help credit lenders charge consumers more to borrow credit. They stack the chips against us. The fact I pay my bills on time and have for many years now and that I have zero negative marks apparently has less weight than my "newly refinanced mortgage". It's absurd and unfair. Credit Bureaus, mandatory auto-insurance, the IRS, multiple overlapping taxes... these represent organizations & legal requirements that are proving time and time again that there are not enough protections in places for the average citizen. Remove the "power" given to them or put in place better consumer protections. The age of the loan is about 2 years now. Since that time my score has gone up and now back down. I have no recent credit requests, no bad debt, and all payments are ontime. The only thing new is their 2 impact factors that didn;t appear previously 2 years ago when my home loan WAS new.

The different scoring methods sound far more complicated than it seems they should be, How would any consumer ever understand the impact on their credit when the playing field seems to change under their feet. Keep it simple: I pay my bills ontime. I have no bad debt. I agree, base it on available credit, but don't add new reasons to lower my score conveniently around the time of the mass refinances in the past few years. Something is fishy.

Resolved Question: How can I sell my home fast?

I took an equity loan out on my house to purchase a home out of state, thinking my home would sell, pay my debts and move. Now the market is so bad and the holidays are coming, and i am really worried. My exhusband wants to buy it, but he doesnt even have a credit score. He has nothing in his name. Help me!!!!!!!

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