Advice for obtaining a HELOC

[Annushka Alicea]

Hi Everyone. I am looking for some advice on how to obtain a Heloc on my primary single family home. My morgage was in forbearance but I have paid off and brought it current. My credit score is 600-605 range but I am working  to remove a a few late payments from my credit report and that should help it shoot up in the next few months or so. My credit card usage is about 85 percent usage but the equity in my home is about 200k to 300k. Can you advice me how to get a Heloc? Where to apply with such high credit usage? I would like to use some of the heloc to consolidate my debts which is about 50k or so. What are my best option? I am also considering a equity line of credit. Thank you for your help in advance.