I have been trying really hard to improve my credit. I payed everything off but I have negative payments in the past. I’m looking to hire a legitamite company for help. I managed to get a secured card and a credit card with terrible fee’s and low credit but my score acually went down 5 points even after 6 months of good payments and I just dont get it. I want help. The three credit burues dont even have the same info on me and i dont even understand the terms they use. One says i have like 5 deliquent accounts and the other 2 but i dont even owe any money or know what deliquent means. I really need help from a legitamate company if anyone knows one. THANK YOU!

If you paid of the credit cards and the credit reporting agencies are still reporting the debt has delinquent you should dispute the entries, at the bottom of the credit report there should be directions on how to do so, you can also read this article on repairing your credit, several tips are listed, http://www.monitorbankrates.com/how-to-build-maintain-and-repair-your-credit