A good credit rating is a crucial part of achieving financial independence. By improving your credit rating you can save thousands of dollars in interest charges on your auto and home loan. You can also get approved for new, low interest loans and credit cards.

Therefore, to build or repair your credit, if you have extra cash, pay down as much of your debt as possible. The lower your ratio of current debt to available credit limits, the better you look to a lender, and the higher your credit score will be. The flip side of this is to call existing credit card accounts you may have and ask them to increase your limit, though you won’t actually use it. You should do this as often as possible, even if you don’t need the credit. This will also increase your credit score. However, please, do not not open additional credit card accounts to increase this ratio, since that may hurt your credit unless you have under 4 open credit cards. But increased credit limits on existing accounts will help since you will be lowering your overall debt ratio.

In summary: You don’t need to carry a balance on a credit card to have a good credit score. Paying your bill off in full is the best way to keep your finances in shape and build your credit at the same time.

Pay your bills on time. Delinquent payments can have a major negative impact on your score and the longer you pay your bills on time, the better your score.

Keep balances low on credit cards. High outstanding debt can affect your score. Maxing out your credit cards could lower your average score by as much as 70 points.

Don’t open a number of new credit cards that you don’t need. New accounts will lower your average account age, which could actually lower your score by up to 10 points.

Have credit cards – but manage them responsibly. Having credit cards and installment loans (and making timely payments) will raise your score. Someone with no credit cards, for example, tends to be higher risk than someone who has managed credit cards responsibly.

Good luck!
References :

24 Hour Credit Repair: http://jroloc.24hrcredit.hop.clickbank.net/?tid=ANSWERS
Credit Repair Secrets: http://jroloc.sell2005.hop.clickbank.net/?tid=ANSWERS
Credit Bible: http://jroloc.niesong.hop.clickbank.net/?tid=ANSWERS

Many people out there believe that credit repair is a scam. And, to be honest, there are a lot of scam artists out there posing as credit repair specialists. However, it should be noted that most of the myths about credit repair are perpetuated by the credit reporting agencies. They don’t want you challenging what they do because it costs them money. So they will tell you that you don’t need to do credit repair or that you can do it yourself. While that is true, it is also true that you can repair your car yourself when it breaks down. However, you take it to a mechanic because you know the mechanic understands engines better than you do.

I KNOW its legitimate i went from a 502 credit score to a 767 in 6 months!!!!!!!!!!!! Best thing i ever did!!!!!

The company i used offered a money back guarantee.

The decision is ultimately yours. there credentials and reputation are unimpeachable. It comes down to, are you going to listen to people who only believe what they hear on TV or are you going to believe people who actually work in the field every day and know the truth?

http://www.karunaservices.com/
References :
real person (client)

There is no ethical way to quickly rebuild your credit; it is going to take some time. (between 18-24 months of on-time payments.) I would recommend you get rid of all your credit cards and just use your own cash to purchase what you need. If you can’t get it with your own money, then you really can’t afford it.
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