Second or HELOC With low DTO and low FICA

[Anonymous]

Came up short on a bonus this year and need additional funds to complete reno of kitchen.  Have a low FICO(550) due to charge offs from 3-5 years ago.  current mortgage is 75% of value - would like to go to 85%.  Overall, DTI is about 13%.  I know this is sub-prime territory and can live with that for the...how do I get this done/can I get this done?

[Lemmus]

...have you tried the Rebuilding your credit forum here?

...you really need to get that score up above 580 and that shouldn't be all that hard if you are willing to invest a little time in yourself

...are those fico mortgage scores or the fico 8 scores normally seen on myfico? ...it can make a big difference.