Answer: -get a current credit report. More than 80% of all have something wrong with them and they are not like court, you are guilty until proven innocent. Make sure that everything on there is current and legit. Pay off back bills and get a credit card and pay it off EVERY MONTH. Put a tank of gas on there then pay it off. Don't allow people to run your credit (which brings it down). -"Goodcredit.com" you need http://www. in front of the words. I highly recommend their service. They work with you to get the habits aligned up so that things work out. They have a program for financial troubled persons and one for people that are trying to make millions using their credit.They impressed me and I know a lot going in. -You'll have to gain some more knowledge of how credit repair works. Or else you'll be much more vulnerable to credit repair scams that won't do anything for you.Even if you just get enough understanding not to be confused, then you can at least start interviewing different credit repair companies and notice any "red flags" from them. The ones that seem the most trustworthy are the ones you can use to help you out.That way, you'll understand what they are offering your, if it meets your needs, and if it sounds like a scam.