Anyone have any experience or ideas to fix my own credit?

[Earthling]

You ask about a small loan at your bank and tell them you will put the payment money in an escrow account that they can draw from. You put exactly the amount in that needs to be repaid. The repayment money is already in their hands and they will give you a "loan" against that money. (You can have them take all the escrow money to pay the loan in full) Its all free interest money for them. Your credit will reflect that you got a loan and repaid it. Do this as many times as necessary to establish better credit.