Need ideas for consolidating debt, wife has low income, I have low credit score?

We have been in our home approximately 1.5 years. Home was purchased at 4K w/ down payment of K. Mortgage amount was 4K. The homes in our neighborhood are selling between 0K and 0K. I’ve made several improvements to the home to put the price somewhere in the middle of these ranges. We would like to get K to K to pay off credit cards and make improvements.

The problem: I have terrible credit but my income is good. Our bank has turned us down for a HELOC because combined, our income is good but our credit is not. They won’t give it to my wife alone because her credit is great, but her income is not. Do we have any alternatives? Should we try other banks that may be willing to work with our unique situation? Any ideas?

When being considered 4 a job w/ financial based employers,what's the lowest credit score they consider 4 hire

Does anyone know the lowest credit score that is elgible to work for financial institutions (mortgage companies, banks, etc.)? I know for these jobs, you usually have to pass credit checks.

Mortgages for people with low credit scores?

Need suggestions for reputable mortgage companies, loan companies, banks, who loan to people with low credit scores.

recently my bank refused me mortgage due to low credit score.?

but i paid all bills promptly,never had single late payment.now how can i get my credit score repaired? or how it become poor. i had a joined account with my partner and partner made few payment problems. now am legaly divorced. is my partners payment problems affect me or not?how can i buy a house?.please advice me.we closed our joined account also.but my partner still owe money to banks.i paid half of my partners debt(ie. eg. partner took £3000 loan but i paid £1500 , because it was a joined account.the loan was taken without my knowledge)