If your credit score is under 500 and you are wanting/needing to refinance you may want to consider working with a credit repair company to improve your credit scores so that you are able to refinance for a better rate. A credit repair company can sometimes improve your score enough to help you qualify for a refinance within as little as 30 days. The fee that you pay them to work on your credit and improve your scores will be well worth it if you can improve your credit enough to help you refinance and/or qualify for a much better rate.

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