Is there an alternative way to get the equity out of my house?

[Jessica Higgins]

I owe around $162,000 on my home but the value is now about $204,000. My credit score is in the high 500's, largely because I have all my credit cards at their maximum left over from Christmas, I just paid them down to about 40% of their balances but, now I have to wait a full month for this to report and the scores to pop up, hopefully above a 620 to get some sort of HELOC, or equity loan. Do you know of any alternative ways to tap into this, so I can use this money for down payments on fix and flip loans instead?