How can I get a legit Home Equity loan with bad credit?

I previously asked about a loan while I was unemployed. Well now I’m employed but sunk by debt. Which, of course, has caused my credit score to fall drastically. On the plus side, my home is 100% paid for and I have no mortgage to worry about. Are there any reputable/legit lenders that work with people with bad credit? I’m fine with paying a higher interest rate, but only with a “real” lender.

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