I did a consumer proposal over 5 years ago and paid it off early. Since then I took out a car loan and also paid it off early. I just obtained a secured credit card all in effort to rebuild credit. Right now I am in need of a $6,000 personal loan. My credit score is descent and have no debits and own 2 cars. I won't get approved from the bank just yet and I was wondering what places offer personal credit repair loans or bad credit loans that are NOT scams. My plan is to rebuild as much as I can before I buy a house in the next 2 years. I can't afford to be scammed and am looking for an honest lender....any advice??