I’ve been working hard the last 3 years to improve my credit with no late payments in 3 years but can’t even get a small line of credit with apple?

Assuming you mean an Apple Card, read this: How your Apple Card application is evaluated

Hi, this is a user to user community hosted by Apple, but neither Apple or Goldman Sachs (Apple Card issuer) are here. You’re talking to fellow users and maybe Apple Card users/owners..

One of the best ways to start your credit card journey is to obtain a secured credit card account. Both Discover and Capital One offer secured credit cards. Basically you put a deposit on you account and the pay off your account every month. After 6 months of successful monthly payments the credit card company may graduate to an unsecured account. But it will help you raise your credit score and help you obtain an unsecured card, like the Apple Card.

This is not really the community to share personal information. But there are groups/communities on various social media platforms that are dedicated to the Apple Card. I don’t know, but they may be able to share more specific advice. I hope this helps and good luck on your credit journey.