i HAVE A HOME THAT i WANT TO REFINANCE AND I AM HAVING DIFFICULTY BECAUSE MY CREDIT SCORE MY PAYCHECK IS GREAT

Answer 1

The only thing you can do is clean up your credit.

Pay off credit cards. A big chunk of your score is based on the debt to available credit limit ratio. Get the balances below the 30%.

Get a copy of your credit report and look at the negatives. Work on settling the newest one first and work backwards.

In the current housing/mortgage situation, you are not going to be able to refinance with a low score.