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If I have a crappy score, how do I fix it? soon

hey you two, i love your I-show. I am 43 and basically have nothing, dont own a house, no credit cards, and was in a car accident 4 years ago and put on disability. My husband is a blue collar a/c worker and makes comm only. Can you two tell me how to get my credit built, even if there is a high intrest unsecure card to start with? I am frustrated because no one will give me a chance. All the deals out there like rooms to go ,I could afford to buy some new furniture, which I never have owned before with thier no intrest low payment deal, but they wont let me. and I thought banks were saposed to start lending again what happend there, I have a 93 lincoln and its in good shape but i tryed to do the cash for clunker and they wouldnd do it for me. how do they expect people like myself to ever own anything if they dont give me a legitament try?? can you help, like where do i start? I dont expect a lot I just wanna a chance. I screwed up when i was younger but at 43 I should at least own a home. We have rented the same house for 9 years, my husband said we have paid it off for the landlords already. it was 66k when they baught it, and here we are still paying rent. Can you email me back, Mary, Venice Fl.


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