First question I have is Why doesn't the yahoo music accept my debit Discover Card? Many thanks for any answer or 2. Second question of mine... Hello All,.

This is my first post here and need some guideance. My wife and I went through some financial hardship about five years ago and basically had to charge off all of our revolving credit. Our mortagage was paid on time and sold our house in 2005. Our installment credit (auto loans) in great and we have re-established our revolving credit. Unfortunately our scores are not increasing with the new credit which is deterring us from being able to qualify for a mortgage.

We are on the second "credit repair" company and still are not seeing any real results from the disputes that these companies send. I have now managed to get the IRS to put a tax lien on my credit while I am engaged into an installement agreement (does it ever stop).

So I am seeking some guideance on what direction to go, I didn't file chapter 7 bankruptcy when we were out of work and tried to do the right thing and pay something and now I feel like we should have filed.

I want to be able to buy a home for my family and unless we win the lottery, no one will give us a shot.

So again any guideance or direction would be helpful..

Thanks..