Hey, my name is Aaron. I'm nervous.. im so nervous, when I go up for morgage renewal next year they are going to deny me and I'm going to lose my house for my family. No real sob story here, life happened, post separation, single daddio doing my best. Trying my hardest to trim down debt but not making it very far.. bought a house with my parents (inlaw suit in basement) I live upstairs with my kiddos, but we are coming up for newal next year and credit is not where I need it to be regardless how many hours iv been putting in, life is just testing me, problem is my mother is going to lose her pension next year aswell and her income is going to drop drastically to basic old age income and I feel with my credit taking such a hard hit lately and her income getting slashed they are not going to approve us for the renewal :/ anything will help. EVERYTHING will be put to bills and trying to bring that credit back up to approval ratings.