Low credit score

Anyone here knows how to fix a low credit score? Was out of job 2 years ago and had to get a loan from CashNow (500aed) was only able to pay it and the interests early January of 2025.

Even on a small amount of 500 aed and was not paid for almost 4months my credit score was deeply affected.

I have tried to apply for a credit card late last year but my CS was only on 300 i think— i tried to check now and its on 560 but still cannot get a credit card. For info my salary is 8k + incentives (tips and SC).. any tips or help would be appreciated