<prompt> Human: I tried to get a HELOC, which would reduce my overall bills by combining my credit card 188 minimum and car payment 140 down into a small payment than either one alone and allow me to put a roof it leaks and windows on my house to lower the energy bills 330. I was turned down by the local credit union ratios despite it increasing my repayability how does that even make sense?.What other routes can I take for combining down debt? I know Ill pay more in the long run, but I also know that HELOCs and other secured loans have lower rates than my card 6900 27 and car 3500 12, so I can throw excess cash at it and accomplish more. Does this make sense financially?  <response>: Whats your credit score? Im guess bad since you have 12 car loan. Theyve decided youre not worth the risk. 