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

Bad Credit good credit

I have bad credit over 7 years old on my credit report. Most of this credit my exhusband opened in my name. I have tried to dispute and have had some taken off but not much. Isn't it supposed to come off in 7 years and if so how do I go about telling them to take it off because it is longer than 7 years? I also have tax leins from my exhusband's business on my credit report. Just a couple months ago I got my yearly free credit report and they are showing that they are paid (he must have paid them off) but I want them removed because they are not mine! I have been trying to get credit to help raise my credit so that my current husband and I can buy a house because it is the perfect time but I can not get anything. They say there is to much bad credit and not enough good credit. Well, no one will give me credit so how am I supposed to have good credit. Please could you help with some tips of ideas. Thanks so much for your time.
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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
pay up front
tax leins? paid 7 yrs?
If it has to be 7 yrs since DOLA date of last activity not date you opened account I would validate legally all the debtsIf they do not have your signature....it is not legal

http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm
validate and dispute those debts

http://www.oskie.com/free-credit-help-sample-form-letter-letters.htm
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Bad or No credit credit cards help my FICO credit score

Get a new credit card, keep the credit card open for at least 12 months and your credit report FICO score will jump 10 to 50 points.
I had a BP oil gas credit card charged off for 350 dollars in 1992. I paid the charge off in full after calling and talking to a manager and explained I wanted to re open the same account and be a good credit citizen. Once I paid the charge off I called the same manager up again and said I would send them 300 dollars to re open the credit card. I wrote a check, mailed it to BP Oil and waited till it cleared my bank account to call the manager again. They said a BP Oil credit card under the same account was on the way.
I charged my gas each month and sent in an extra 20 or 30 dollars each months for 12 consecutive months.
I then called a BP oil manager and and asked if they woul report only the past 24 months of my revovling credit on this account and they did.
My FICO jumped 100 points in 12 months.