I agree with Joe. You need to take a step back and find somebody to work with to get your credit in order. This will probably take a year or so but you first need to understand why you are where you are and what you need to do to ensure your credit is now moving in the right direction.
You will need to get some secured credit cards from a major bank that reports to the credit bureau. Do not ever charge more than 40% of whatever your secured limit is or you will lessen the impact of having the revolving credit. Also set up an installment loan.. also secured. You can give the bank $1000 in a CD to use as collateral and pay it back over the course of a year. Make sure all accounts are reported to the credit bureaus so you can get the benefit... if they don't report to the credit bureaus there is no need to do these things. Find lenders who are willing to do this. Locally Wells Fargo and Frost Bank are a couple of lenders who will set up these types of accounts.
Find a lender who will work with you over the next year or so and guide you on other things you can do to make sure your credit is improving.
Best of luck to you both!
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