I have a very low credit score. In fact its pretty bad its only 581. I want to know if I can get a loan?

Okay here is the deal. I have a low credit score. BUT I have never had anything in my name before. My husband had a wage garnishment when we were first married and he was forced to file bankruptcy. I did not have bad credit at that time either but I checked my credit and it shows the bankruptcy but doesnt show anything removed because there was nothing there. I talked to a financial advisor who says that they can still see that when they pull my credit and may consider this and not hold it against me. So I have a good amount of income around 2500 - 3000 a month of my own. I also have a bank account that I have had for about a year now. I dont have direct deposit but I have put about 20000.00 into this account since that I have had it. I also have a savings account that has kept a balance of 1500.00. To establish credit I am thinking about going to the bank and asking them to loan my 100.00, I dont have a co-signor either (no family or friends) so I want to tell them that whatever the amount is that I have to pay back I want to take from my savings account and let them have it as collateral. Then I will pay the loan back once the loan is paid I get my collateral. I dont need the 100.00 but I want to get good credit with my bank. Do you think that this will work? Whats the procedure and what do you think that my chances are? I want to buy a home like my friend is doing and I applied but they said I needed to raise the credit score only a little bit like by a few points. So just let me know what you think. please dont me rude and critique more or you will be deleted or reported. I am looking for an honest answer. I plan on doing this tommorrow so please let me know.