A cash-out refinance can lower the cost of what you owe, but behavior change is the only way to actually reduce debt.
Learn the two rules of thumb for your mortgage and car loans. Just because you can qualify for a mortgage or car loan does not mean you can afford it.
The more evidence you provide that you pay your debts, the higher your score goes.
Learn why paying off the most expensive debt first is a much less costly approach than the Snowball Method.
A strategy for deciding how to best utilize cash windfalls like tax refunds, inheritances, insurance, and court settlements using a simple decision waterfall.