Raise your credit score
Regardless of how bad your credit score is, and no matter what credit repair agencies tell you, there are legal means that you can use to increase your credit rating. Increasing your credit score by up to 120 points is really quite simple; however, credit repair agencies will make it sound very complicated and will charge you quite a bit of money for something you can do yourself. To successfully increase your credit score all you need to do is familiarize yourself with the Fair Credit Reporting Act, specifically section 609.
The strategy of using the Fair Credit Reporting Act to significantly increase your credit score was invented by Bruce McInnis Jr. in 1999, and his Credit Educational System has helped thousands of people improve their credit rating. What Mr. McInnis Jr. discovered after carefully analyzing Section 609, Disclosures to consumers [15 U.S.C. § 1681g], of the Fair Credit Reporting Act (c) (2) (E) was: "a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or cannot be verified."

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