Fix my credit 8 credit card charge offs and 120 days late on car lease

I am 23, and am in need of some desperate help to fix my credit. I am 23 and am getting married and I have a credit score of 530. My fiance is an immigrant and has no credit at all, so we have been focusing on fixing mine. I had several collections on my credit as well as like 8 credit cards and a car loan for a lease. The car loan is up in May and was 30 days late 9 times. All of my charge cards have been paid off in full except one that has an 1100 dollar balance and was 120 days late, however I am now caught up. U just opened a secured credit card with a limit of 200 dollars I have had it for almost 6 months and have never been late. I dont realy know what to do I have been working really hard to pay all of this off and my score isnt moving, I cant afford to pay someone to help me, so I was looking on the internet and found your site. If you could give me some advice or tell me what I need to do I would appreciate it
----------------------
i would try to open 2 of those old charge cards.
after 12 - 18 and 24 months ask them to report only that past 24 months of your credit on that account since that is normal revolving credit practice.
many times all the old late will be gone and you will have 2 new good rated lines of credit.

something goes for your husband. he is gonna have to get some credit so you can use his income for furture credit needs. get him to try here. of course he will need a social security number and if he is an immigrant he may not have one. he needs some credit and can have a great score in less than 13 months if he can get one of these cards that report to a bureau

everything else should be getting to the 24 months or older point which will helpyor score
IF
you have good new open never late lines of credit that are 12 months old
--------------------------
Will charge cards typically let you reopen them, and what cards would yousuggest trying to reopen because I only had like one major credit card whichwas a capital one card the others were store cards like jcpenney and kohls Iwas told that instant credit through stores can hurt your credit in the longrun.
--------------------
sometimes they will let you open a past account
see what i did here with bp oil
capital one would be the best route
you need 3 open for at least 12 months with no new lates
and all past dues paid. score should jump dramatically
if you cannot pay past dues maybe you will get lucky and
2 years will pass with no trouble and then 7 years with no trouble.
What I have found though is many accounts get sold or collected on within the 7 years period
and bam
there we go again on the 24 months and the 7 years again from date of last activity.