Hi guys. So, I've been denied for the Scotia PSLoC as well as TD. I have poor credit, my score is around 490. I was really irresponsible with credit in my early 20's, and it's obviously catching up to me now. I applied to both Scotia and TD with a strong co-signer ($110,000 income, 750 credit score), although the gentleman I spoke to at Scotia wasn't helpful at all and actually quite rude in outlining any other options I may have. I'm getting to the point where I think I am out of options and might have to take the year off to work on my credit. Has anyone ever been in my position? Can anyone shed some light as to what my options might be (if any)? I will try to exhaust all options in terms of going to all banks that offer a PSLoC, but if realistically I cannot get approved I definitely understand why. I asked the Scotia rep if I could request a lesser amount and answered with "I don't know, figure it out and get back to me," so I'm not quite sure if that's an option that would help my case. I am honestly willing to go down to $60,000. Looking forward to any insight/advice you guys can offer.