Dispute late payment, and derogatory account from your credit report and of course inquire ,apply for secured credit card like one from bank of America or orchard bank!
Try to get things removed from your credit report that are not correct. Follow your credit report closely so no items are accidently put on their. Second get a credit card and make regular payments on it. As payments are made your credit score should rise. This is what I did and it did rise, but it takes time.