I could use the help of potentially reworking my mortgage to be more affordable. It is possible for me to get by without doing so. If I do call my mortgage holder and rework my mortgage for a reduced interest rate or reduced principle how does that affect my credit score?
Phone your mortgage company and ask them. They are sure to be helpful and might have a good deal available. Just asking won’t affect your rating.
It doesnt. You will have a mortgage credit pull listed on your report which as long as you havent gone on a credit pulling spree wont even really calculate into your score.