Level 2
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Debt management

My wife and I both have the same remarks on our credit records. We both have union construction jobs making very good money. 5 years ago we went through a difficult time which incurred a lot of medical bills a few of which went to collections. We paid them off together, at the same time and applied for a credit card. She was accepted for $3700 in credit limit between two cards. I was declined. Since then I was able to get a credit card for $300 but have been declined for anything else. My credit score remains at 580 and hers is over 700. What gives? Is there something on my report that i can't see? Our money is in a joint account and we're share all bills. Our dti is 24% and we have 2 months worth of bills in savings. I am at a loss of what to do.