Loan modification should not have much effect on your credit score as long as it is a true loan modification program. Some programs claim to be loan modifications but are actually debt settlement programs. If you use such a program, your credit score will take a hit. You should make sure you are using a true loan modification program that won’t harm your credit.
You can customize your debit or credit cards with a second line. Have a favorite nickname, sports team or just something fun you want to include?