I hear it all the time.  Someone asks a question on a forum, blog, or question site like "How do I improve my credit score" or "How do I remove bad credit".  Without fail you will see some "financial expert" saying "You can't remove bad credit off your credit report" or "There is nothing you can do to improve your credit score, it just takes time."

These statements couldn't be further from the truth.  I don't even know why these "experts" think that.  The Federal Trade Commission, yes I said F...
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People always want to know how to improve their credit scores and if credit repair tips and tricks actually work.  Well, they do.  Take a look at 700 Credit Score, amazing how fast you can raise a credit score.  Just using simple credit repair tips.  Essentially just working on the 5 areas of your credit score:

1. Payment History
2. Credit Length History
3. Debt to Limit Ratio
4. Credit Diversification
5. Credit Inquiries

Working on these 5 areas you can quickly see improvements.  This is what FICO uses to calcul...
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Found the ultimate credit repair guide.  It offers a lot of info, samples, and services for free in a very user friendly format.  They do recommend Lexington Law Firm to remove your negative items but you can do it yourself too.  They also show you how to do that.

You can see how to diversify credit, increase credit, reduce debt, and remove negative items and inquiries.  Very good info for anyone that is in the credit improvement field.

Hope everyone can take advantage of this site and I'm sure...
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With the housing market slump and bubble bursting, it has become more important than ever to have a high credit score.  Lenders don't want to get caught with anymore foreclosed homes and can't afford it.  So they are watching who they lend to. 

700 credit scores have become a minimum for any home loan and that is with a big down payment.  Now with the new credit card laws, starting interest rates on credit cards are much higher because the companies can't raise them later, so they raise them ...
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