@Carolinagirl007 wrote: Thanks for the advice. It worked very well. As instructed, I got a Navy Federal Secured Loan for $3010. No credit check. Opened a separate savings account to deposit the secured money in and set up a second checking account so that they could place the loan amount in this checking account. I called Navy Federal and applied by phone. Within 30 minutes I was approved and elected to sign electronically. They then secured my $3010 in the savings about 30 minutes later (meaning I no longer had access to it). Later but on the same day, the loan amount of $3010 was placed in my checking account. The next day the loan showed up on my accounts so that I could then pay it off. I took $2800 of the loan and paid the balance down to $210 pushing my next due date to early 2024. Then 48 hours later, my $2800 was returned to me. My score went up 42 points. It worked!!! Thanks so much!!!