Open Question: Pay off loan not in my name, pay off card in my name, or save for down payment?

Job Description
Associate will process loans approved by an Underwriter or an automated decisioning system. The HSS II will have credit signing authority within delegated limits. Will be responsible for clearing conditions and issuing changes to the terms on previously approved loans . Will be responsible for but not limited to verifying conditions of approval which may include, customer income/assets documentation, resolves routine title issues including, but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens reconveyances; may processes subordinations; resolves appraisal disputes; depending on channel, may coordinate closing activities. Maintains a high level of customer service by being proactive in communication with customers, may include banking center associates, realtors, etc.
In the consumer real estate fulfillment center. Makes the decision on loan applications up to the conforming loan limits

Open Question: I Need A Cosigner?

I filed for Chapter 7 Bankruptcy and now it's been Discharged as of Feb 2007. I need a cosigner to sign on a Loan to get my home back. Does anyone out there know of anyone who will do this for me?

Open Question: Pay off loan not in my name, pay off card in my name, or save for down payment?

I owe on a loan with my family that is not actually in my name, but I've agreed to share in it, my part has about $6k left at 9%.

Then I also have my own credit card, in my name, with $17k on it (past bad choices, but it's half what it used to be) at only 6%.

I've also been considering trying to save for a downpayment on a future home.

I have a bonus coming and can apply about $10k in the next 3 months to these goals.

If I go with the highest interest, the 9% loan, that saves me the most money, but does nothing to affect my credit score as it isn't even in my name, it's "off the grid".

The 6% card would seem to make the biggest credit score impact and would "feel good" to lower my "bad debt" (I could get it below 30% of the credit limit if I attack it) but it's the better rate of the two

Finally saving for down payment? Am I better off house buying with more cash or better credit?

Pay the 9% loan, the 6% card, or just save? Or balance of the three? Thanks. Minimum payments are not a problem, that's all under control. I'm just looking to focus major above the minimum payments. And I long ago stopped using credit for anything new, I'm all cash all the time now. My current credit is good, just trying to maximize for future house buying good planning.

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