I get asked a million times a day how can one improve their credit scores by themselves?
Ah, the million dollar question...
1. Keep all open & revolving tradelines (credit cards at 22% utilization or lower) NOT 30%!!! I really wish financial professionals would really stop telling folks to keep their card ratios at 30%, FICO 9 rolled out recently with new parameters and 22% or less is where you want to be at.
2. Settle off any negative debt. (collections, charge offs) etc.
3. If you do not have any credit cards get 2! You need revolving credit to maximize that credit score!
Go here to apply for secured credit cards if needed: http://www.credithelp.biz/build-credit.html
4. Once you have settled off all of your negative debt (collections, charge offs) begin to dispute the paid off accounts with the bureaus. How and what to say is a bit trickier and I have a free book I provide those who want to DIY their own Credit Repair. Simply go here to get the Free Book: http://www.credithelp.biz