This is a good article. Improve credit score is quite difficult but not impossible. But an extra bit of advice which helps to improve your credit score. Always pay your bills on time. Late payments play a major role in driving down your score. Don't close unused accounts, because zero balance might help your score.
Improving credit score is certainly a good idea but meantime why don't you try applying for loans that are little linear and have no much requirements.
I recently used a service where they don’t charge you an application fee, success fee or origination fee to help you get a loan for up to $50,000 and grants of up to $250,000 – in fact their services are 100% free and it has worked for my folks and could very well work for you: Loan & Grant Package. I was approved in no time and just followed the suggested requirements.