HELOC W/ LOW CREDIT

[Carolina Mejia]

So I am trying to do a HELOC to be able to pull equity from my current investment (only have 1). My credit is low 618 give or take- (I am working on it with credit versio- removing somethings that are bring down my credit) but anyways that is a process. i found one HELOC provider called Prosper that for 95k was charging 14%. I've looking at others but either don't qualify or they haven't given me the rates yet. Would you pull 95k at 14% or should i keep looking/working on bettering my credit?