Zillow Advice: Home Equity Loans - we own our own home, never had loan or mortgage, our credit is poor, we want to get a loan. http://www.zillow.com/advice-thread/we-own-our-own-home-never-had-loan-or-mortgage-our-credit-is-poor-we-want-to-get-a-loan/451199/ Zillow Advice | Zillow Real Estate You need to obtain some credit ... http://www.zillow.com/advice-thread/we-own-our-own-home-never-had-loan-or-mortgage-our-credit-is-poor-we-want-to-get-a-loan/451199/ You need to obtain some credit first. &nbsp;Don't be afraid of credit cards, as long as you use them wisely. &nbsp;They are the easiest way to access accounts that will report to the credit bureaus. &nbsp;Only charge what you can pay back within 2 weeks. &nbsp;<br/><br/>I'd recommend pulling your own credit also, you can get one for free at Quizzle.com . &nbsp;<br/><br/>If you need help understanding your report, contact me through my profile and I can walk you through the info. Tue, 17 Jul 2012 01:00:00 GMT http://www.zillow.com/advice-thread/we-own-our-own-home-never-had-loan-or-mortgage-our-credit-is-poor-we-want-to-get-a-loan/451199/ 2012-07-17T01:00:00Z Having poor credit is not ... http://www.zillow.com/advice-thread/we-own-our-own-home-never-had-loan-or-mortgage-our-credit-is-poor-we-want-to-get-a-loan/451199/ Having poor credit is not what a lender wants to see when they are considering&nbsp;lending money. Depending on how "poor" your credit is, you might <br/>talk to a local bank/credit union and discuss your scenario. If&nbsp;they are not willing,&nbsp;&nbsp;your next step would be to talk to Consumer Credit Counciling&nbsp; in your area about how to improve your credit. Mon, 16 Jul 2012 18:51:00 GMT http://www.zillow.com/advice-thread/we-own-our-own-home-never-had-loan-or-mortgage-our-credit-is-poor-we-want-to-get-a-loan/451199/ 2012-07-16T18:51:00Z