It's a joke... And I'm not joking!

There's an old saying that you can't borrow money unless you've borrowed money.  But you can't borrow money unless you've borrowed money.  But when you try to borrow money, you can't borrow money because you've never borrowed money.  And if they won't loan you anything because you've never been permitted to borrow?  Well... It's total BS.

I have decided to try to rebuild my credit.  It's been 8 years since a major derogatory remark has appeared, and it won't drop off for 2 more years.
All accounts were closed to eliminate temptations.

My Air Conditioning unit gave out.  So , it becomes more urgent that I re-establish.

One website gave me "Good approval chance" on a particular card.  One was a high interest, unsecured card.  One was a lower interest, secured card.  One was secured, smaller amount needed and an annual fee.

I tried for a loan to get my heat pump replaced.  Shot down.  So, went to another place.  Rejected.
Was going to try a 3rd, but I could see that I was disqualified. So, used the website, went for unsecured... And...Rejected.

Interesting.  My wife had a closed account, balance due, but past SOL.
She chose HIGH INTEREST, HIGH ANNUAL FEE... and got it.
EXCUSE ME?
I have just a little less than 2x her income.  And I get rejected.
Something is screwy in the system. 

So, Because I have no open accounts, no credit history (As such) except for for a couple of black marks, I get rejected and yet, she who has a balance due (with that same card?!) gets approved.
Can somebody get me through to those idiots?  ::sigh::

So, 3 hard inquiries and no chances.  These queries will be on my record until September 2020.  And my other marks will be gone in November.

The system is a joke.  You can't borrow unless you've borrowed, but nobody will lend because you haven't borrowed (Even though you have, but they're off the report)

Yep, it's a joke...and I'm not joking... AS I SEE IT