Credit Repair & Debt Relief Issues

Ashley Z asked:


How do they determine your mortgage rate if you are getting a house with a friend not a husband? Do they average both of your credit scores?

karen_michele_1122 asked:


trying to establish good credit is hard when no one will give you a credit card.I have one secured card I use with perfect payment history and no other open accounts. I have paid off all past collections on my report and scores are low to mid 500’s. I cannot get approved for a credit card anywhere! Any ideas?