Load up your Roth IRA while doing all this, if you're working. Then you can buy a car, house, etc. with those funds, and use those assets for income. Good luck.
Honestly, at 42, what’s stopping me from taking out a $110,000 personal loan, maxing out every credit card I have, taking the dream vacations, buying everything I’ve been putting off, and then just declaring bankruptcy?
I’m probably not buying a house anytime soon anyway.
My credit score is already basically useless to me.