I started looking for advice on a loan but ended up getting better advice on how to fix the credit. Thank you all because I am happy to see that there is light at the end of the tunnel with the credit thing.

I have given up on the Scarab for the moment because I found someone wanting to trade there newer Baja for my boat plus some pocket change, not exactly what I want but this will at least get me a twin engine newer boat to use and possibly trade for the Scarab or whatever I find.