A credit union is almost always your best option if your scores are under 650 or so and you can't get factory sponsored financing. Your goal lists buying a new house, I would make sure that your DTI won't get messed up with a new truck. I have seen more than a few people get a new car and then a couple of years later they have a tough time qualfiying because the payments stretch their budget. I don't think it would be a good idea to do a personal loan to improve your scores. DCU gets great reviews and is easy to join so I would suggest working with them, if you can get into NFCU I would join them, they are fantastic to work with. Best of luck.
