I work for a large corporation that has a credit union. I've been a member for the entire four years I've worked here (albeit, haven't had a lot of money in and out). I have a paid off truck, and would like to apply with them for a 'secured' loan with the truck as collateral. The woman at the credit union told me that they pull Equifax, and I explained that my credit is less than stellar (but that I am disputing a lot of items on my credit report, which is true). She told me she thought I would be ok, but if I wanted to, I could include a note with my application making an explanation of my divorce, financial difficulties, etc. How easy is it to get loans with credit unions? Should I add the letter the woman suggested, or should I go for it without adding too much? According to the Equifax CreditWatch site, my FICO score is 558, I know...not too great, but I am truly disputing almost everything on my report. Oh, and I'm asking to borrow less than the value of my truck, so maybe I wouldn't be such a bad risk? Any advice would be greatly appreciated!