Other than a secured loan, the best option is to pay off your debts so that your monthly payments are very small and your credit score can rise.
assitant
Yeah.  Also you can try to learn some financial literacy.  Sometimes a person can have lots of loans and poor credit without being irresponsible, and having poor credit is actually not a huge problem in itself.  It’s mainly a sign that your debt problems are being handled poorly.  The better you understand how to manage
assistant
What can I do to raise my credit score?
user
You should start by tracking and keeping an eye on your credit report.  Pay your bills on time.  You can also apply for a secured credit card with a low limit so you can rebuild your credit after a debt problem.  If you can’t do that, the second-best thing is to find and apply for a secured loan.  That’s a loan that you pay with money from your savings account rather than paying it with a credit card, and you can set the loan rate based on how good your credit is.  Then the loan will pay itself off quickly and you can re-establish your credit score.
assistant
Anything else?
user