How to re-establish credit when I can't open any new accounts?

Answers:0   |   LastUpdateAt:2012-10-19 11:31:57  

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Rebekka
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Long story short, I got into a lot of trouble as a young adult. I accumulated debts they could not pay in full, but is buoyed at least the minimum. Then I met the most amazing man (or so I thought) ... He turned out to be verbally and emotionally abusive and enjoyed spending my money, and yours. Well, my bills stopped being paid and a snowball. MedlinePlus MedlinePlus When we parted, finally, I could get my car out of repo in two months time (5 payments in 2 months) and have been working very hard since then to get paid down. MedlinePlus MedlinePlus Today, four years later, I paid about $ 17,000 of $ 23,000 in debt, but have some medical bills in collections. My husband and I are preparing to make payment arrangements in medical bills (compensation claim unpaid worker and had the procedure done when he was between the health insurance companies due to the change in employment). MedlinePlus MedlinePlus My husband and I wanted to buy a house next summer when our lease is extended to accommodate our growing family. The problem is that despite having a flawless credit with no income, and I have a great income, but my credit is still only around 540. Because my credit score is not going to give a credit card or a loan to rebuild my credit. MedlinePlus MedlinePlus Be secured credit cards on but my husband is being very objective about most of them offer APR. I even received two pre-approval letters offering an opportunity to "reset" my credit "based on continuous improvement of my situation", but these carry an APR of 24.99% and my husband said "absolutely not".
MedlinePlus Is there any other way to find a credit account with my current situation or any suggestions to convince him to give me one of those cards just to get my score up ... Because at this rate my score will not improve enough for a mortgage for next summer (if even possible) and we'll be stuck renting for another year ... MedlinePlus MedlinePlus (Maybe that was not a story ... sorry)
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