IFeeling very discouraged

I’ve spent years rebuilding my credit, but apparently it still stinks.  It took a lot of effort to get a car loan, and i was recently declined for a capital one card.   I feel like i’m lost and don’t know what to do.

 

I have a current student loan and auto loan with no lates (though the auto loan is fairly new)

 

I have 3 collections listed, all older and 2 paid off, the other paying down and thats 4.5 years old.

 

I have no revolving credit which i know kills me but i can’t seem to get any.

 

What can I do to help myself.  I mean i’m not trying to make any extravagant purchases.  And i won’t go in to debt to buy anything.  But i’m afraid for apartment hunting.

 

Where can I go to get a card that will report…do stores work, are they easier to get…like a jewelry store card, and will they report?

 

Please help, i’m just so worried i feel like i’ll never get on the right track even though I am not being irresponsible