LOC or what other kind of creative lending can help?

[Alisha D.]

I'm trying to see how best do what I'm needing to do.  My credit score isn't the best (under 620) and my debt to income ratio is high because I've used my credit to help my daughter.  My credit score/report isn't a true picture of my situation. 

Does anyone know a loan company that will do a LOC based on work history and income?

[David Dachtera]

@Alisha D.,

Neither your income nor your employment history figure into your credit score. However, your payment history is around 1/3rd of it. Your credit utilization is almost another third.

Employment history, debt-to-income and other factors will, however, be considered by a prospective lender.