Hi,l own home outright, have not good and not enough credit history. How do l get a HELOC in NY?house worth approx 290k, only looking for 30-35k HELOC type of loan do get some stuff done around house, etc. 1 bankruptcy in 05, first in 97. Don't have any credit cards, cars are all paid off. Several lenders have denied stating 0 credit score, not enough history, and bankruptcies as reasons. l'm in NY. House is completely paid off, no mortgage, lien, nothing. Solid job making 65k for 14 years. Thank you for your time. BillDecember 21 2011 - Centereach00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.