Removing the negative items on your credit history isn't complicated and isn't something you need to hire a professional to do.
You can do the same thing credit counselors do in a matter of minutes and increase you score as much as 100 points.
Why is this important? Your credit score is not only used to determine if you can get approved for a loan.
It is used for many things that can help you...
*Get a Higher Paying Job *Reduce Your Minimum Credit Card Payments *Rent an Apartment and Lower Your Auto Insurance Rates Your credit rating is used for a variety of purposes, and by removing the negative information on your file you'll bump yourself up the credit scale.
First, find out where you stand in comparison to the average.
If there is room for improvement, take note of the items that are negatively affecting your score and make sure this information is correct.
Chances are there are mistakes...
You may notice accounts that you never opened, credit cards that are in collection that were closed years ago, and even things as severe as an auto repossession or a foreclosure that never occurred.
When you find these items, notify the reporting agency right away.
By law they must remove any errors on your file, which can increase your score as much as a 100 points.
As a result, you can lower your monthly payments and save hundreds by slashing the interest rates on your bills.
It's a simple, small task that can have big benefits.