Your mix of credit is lacking. You'll see an increase in score if you add a couple of CCs. I recommend getting a secured CC from somewhere to start. Let that report, wait a few months, then aim for a second. Your scores are too low for an unsecured CC, or at least to the point where you'd have a bunch of inquiries before getting approved. A secured CC to start will fix that.
Also take care of your baddies. Check out the links below for more info, but the medical bills, Progressive, Verizon and BGE (assuming it's a negative) would have to be deleted before you see solid improvement in the scores. Check out the Rebuilding Your Credit board for more info.
Common Abbreviations
Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.
What Steps Do I Take - great for learning the repair process.
and Example letters - PFDs, GWs, DVs, etc.
