554 credit score...Credit Repair or DIY?

[Shondell Alford]

I only have two blemishes on my credit report( a hospital bill and a old gym membership) but i didn’t have any credit prior to the blemishes. I’ve gotten very serious about going the entrepreneurial (rental properties and a trucking company) route and i know a 700+ credit score would speed up the process. I wanted to know which option would be quicker or smarter.

side note: I don’t have any credit cards. should i get one?