Go to MYfico.com for $15 you can see your score and they have some tools that can tell you what's worth doing to improve your score.
Join a credit union , CU's serve them members while banks and finance cos are more profit driven. The smaller the credit union the better, they might be harder up for loans. MOst CU's have membership restrictions put if a relative belongs or belonged they will likely take you as a member. Try SanAntonio Federal Credit Union.
If that fails get someone that loves you co-sign , but don't unless your sure you won't let them down. I have Credit Union and insurance background , IM me if have any questions.