Unsecured Line Of Credit Loan How Can I Improve My Credit So That I Can Get Approved For 30k Unsecured Loan Or Line Of Credit?

How can I improve my credit so that I can get approved for 30k unsecured loan or line of credit? - unsecured line of credit loan

My income 60K/yr, the FICO score 675, 50K of student loans in good condition, Visa credit card with 3000 up to 3 years in full time, 2 old collections reading in full paid my c. paid 3 years ago, a report (one for $ 761, another $ 2200).
I wonder which bank is realized (for example, pay part of my student loans ... etc.), is approved for unsecured loans to me 30K for software companies?