Need to get new good credit but I get turned down

I am 21 years old and I am now starting to understand how the whole credit thing plays into "the real world" I have two chargeoffs that are paid in full and my credit score is a 548, how can I go about rebuilding my credit. I am looking to buy a house in the next two years, my fiancé however has excellent credit, but I want to rebuild mine just to have better credit. HELP please!!!
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http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm
get a gas credit card no matter whatpay and upfront fee to get started.
or get a the applied visa with an upfront fee
takes 1 yr and your score will go up
IF
all your past bad debts are paid off
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like a secured visa, one you have to deposit money into?
Ive tried to get a gas card and I was denied.
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yes
BUT
you have to make sure they report to a bureau
the applied visa will do it AND those cards that turned you down will do it
IF
you send a deposit in with your application
read the link and see what i did with bp oil
http://www.oskie.com/bad-credit-no-credit-secured-cards.htm
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I went to appliedbank .com is that the right place to go?
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Applied Bank Secured Visa® Credit Card- Best card to help really bad credit. You WILL be APPROVED and reported to bureaus for good credit but you have to deposit funds to overcome the really bad credit. AKA secured credit card