Divorce Utility Bills

How I can increase my credit score?
I have 29 and have no student loan debt, which are reimbursed in moment (always have been.) I had some accounts go to collections in the past, but never for more than $ 100. It was when I was young and irresponsible. They have all been paid. I have no credit default (eviction, divorce, etc) but still can not be approved for department store cards the most basic. I had the control of savings and in good condition for more than 10 years, a Visa debit card, and the occasional utility bill in my name. I never had a credit card however. What are the things I can do to increase my credit score? Please be as detailed as you want. I have no errors in my report (I just checked) and I paid for a car loan.
Perhaps with a prepaid Visa or MasterCard
Legal Solutions - Husband From Hell
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