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What can I do to get more (or better) quotes for my loan request ZR-SPYWVPV?

Purchased Home for $129,900 .. Cash Purchase.  Put over $20,000 in home improvements .. Landscaping and added pool heater, Own the property outright. No Mortage. Looking for a Home Equity Line of Credit of $50K to pay off a couple of credit cards, Car, and a loan we have from several bills where the interest rate is so high that the balance of the loan Tends to stay above the origianl loan rate. Had a credit score of over 700 but due to a later car payment it has dropped to about 630. Reitred ... Annuall income about $50K.  Turned down by a bank for loan due to credit score. Seems which may lower Credit Score. Reasons given for denial are contained on a standard printout which all reasons given are not valid. How do we, as sole owners of a home that has no mortgage get a home equity line of credit.
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March 13 2013 - Port Charlotte
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