Barry Habib, Chairman of Mortgage Success Source, was recently interviewed by Fox Business News and he was asked about inproving your credit scores. You can see the interview here.
I found a lot of his answers a bit simplistic but still very helpful to the majority of people that have lower credit than their payment history deserves. Now, there are no "Credit Faries," even if you believe in the Tooth Fairy. There is not magic thing that will correct your credit if it actually reveals your method of handling credit.
In other words, if you pay things late as a general rule, your credit score will reflect that payment habit. Also, if you have collections (genuine), charge-offs (genuine), public records such as bankruptcy, foreclosure and judgements (genuine), and your credit report actually reflects this properly, you won't get this to change.
However, I have known of plenty of instances where there was inaccurate information on a credit report. Those can be changed. One of the services I offer, free of charge, to my clients is a review of their credit and a plan for improving it if necessary.
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