improve my credit score

she said to definately pay off those creditors, and to maybe get a loan or something with a cosigner. soooo gonna take care of that soon.

My husband has a credit score of 777 because we have everything in his name due to my poor credit (around 550 or so), my question is, how am i supposed to improve my score when i cant get approved for any loans or cards. i’m a stay at home mom for now and would like to get just one loan or card so i can do it right for a few years to help build. but i dont want to go applying everywhere (i know how bad that is) but about once a year i apply somewhere that has SENT ME AN INVITATION, and i get rejected. I have gotten my report and i know what i have to fix and have already fixed some. i have 3 bad things left and one is paid off but still open. its a restricted credit card. another one is an apartment i owe $150 to and another is a telephone company i owe $80 to. The thing is they are already 5 or 6 years old and have given up, so should i just wait the 7 years out? Would it help to have like the cable bill in my name or something? im on my husbands bank account and credit cards, but i dont know if my credit grows off his.