How do I improve my credit score?

[Account Closed]

Hi everyone, I have been going through my credit scores lately and feel as if it is time to get someone working on it. I really don’t have any particular reasons so as to have low scores but I need someone to work on them to make them better in case of a loan (that I expect to take in a few months) I need. So, can you please suggest me some good agencies that could help me out.

Thanks in advance!

[Josh Green]

NOOOOO! you don't need agencies!

save your $$$$. they won't do anything but rape you!

what you need to do is pay down any debt you have now to no more than 50% of your available line.

make sure you pay everything on time.

make sure you clear up any past issues (if they are close to 5 years, then they should be falling off soon)

go to www.annualcreditreport.com and pull one of your reports and work from there. in a few months, pull another report, clear up any errors, then pull the other report a few months from there... that will get you started.

you may also want to get an identity alert program that will help you monitor your score. it's available through many sources, i have mine through my bank and it includes all 3 reports and scores as well as other nifty things (credit card tracking, tips, reports, etc).