Sometimes you don’t have a credit problem, it’s an income problem. Below are articles listing different ways to earn extra income:
https://www.forbes.com/sites/goldiechan/2023/10/18/7-incredibly-smart-ways-to-make-money-from-home/
https://www.ramseysolutions.com/saving/side-hustle-ideas
https://www.bankrate.com/loans/small-business/startup-ideas/