Start reporting income so you wont have this issue again... You cant get by being an escort making all this money without reporting Any ever, it just not going to work. No financing, nada. You are having trouble just getting a place to live... Or get a real job too so you have a pay stub.
You can file under 'entertainer' or find a 'front' business to file under. Take the time to talk to a tax person so they guide you.
For the peanut gallery here, yes, some of us do report money.
You cant build any kind of life with no credit, income, etc. You cant just go buy a $20,000 car in cash or a house without consequence. Money has to come from somewhere...