r/u_VillageOk8618

I have been trying to fix my credit score. And now it has moved up to 600’s. Depending on which credit bureau you are going to check it lies between 620-670. Credit card balances have been paid and up to date. But due to previous late payments and delinquencies I was denied just now with a local credit union.

Home equity around $300,000
Annual Salary $180,000

The purpose for the heloc would be for home renovation. Any advice / recommendation where to apply since the credit union declined me? I see a lot of online lending like FIGURE but i dont know if they are reputable or if you have any experience with them.

Or is it worth applying for a personal loan?
Thank you.