how can i buy a house and build my credit when my credit is bad?

my credit is shot. i dont have any huge purchases on my credit but what i do have are outstanding, write offs, collections, IRS judgement (but it is paid and current). i have been trying to get a credit card and car loan for the longest but i get rejected and now i have a long list of “inquiries”, which doesnt make my credit report look any better.

what can i do to begin to either repair my credit or GET credit? i cant believe i’ll have to stay without credit forever just because my credit is not good now. i know i’m not the only person who has bad credit but everybody else seems to be getting credit but i cant get it.

can someone help me please?

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