have 20/21 negative accounts depending on the cb and 40k in student loans

I am having trouble putting my credit back together. I have worked for 10 months trying to get negative/old/deliquent accounts removed and I have tried to get my limit on the only bank card I have increased but I keep getting denied. I want to buy a house but I am having a hard time getting my score improved by more than 2 or 3 points. I currently have 20/21 negative accounts depending on the cb and 40k in student loans. How am I going to improve my score when I cant open any new accounts because of my score and my debt to credit ration is 2.11 percent? Please help!
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20 or 21 items.... Student loans and credit cards. That's a bad one. the credit debt ratio is not the problem ovbiously. Some times when you have your credit so screw the best advice is to wait it out. 4, 5 or even 6 years and start disputing the listing. It is good to have that card open, once all the bad stuff is gone after 7 years that will be the lenght of your credit history, whatever you do make sure that you pay that account on time. You can try to open another, maybe with orchand bank for $300 but stay away from that Credit One card that people mind trouble.

Sure they can, they can do anything they want, until you let them know with a summons that you will sue
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of the 20 15 are student loans that show good payment history
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find some way to get and keep good open, non maxed, rated, reported credit.