If you have not done so already, you will need to get a current copy of your Credit Reports and Credit Scores to get started. Using the information you learn from there, you will then need to decide how to best approach raising your Credit Score.
Without this key information you won't know what your Credit Scores are, how to possibly increase them, or even what to dispute if you happen to find inaccurate data. Remember, removing inaccurate information on your Credit Report or doing certain other actions (paying down debt, increasing credit limits) can dramatically affect your Credit Scores.
There are many services that can sell you your Credit Report. I personally recommend using Equifax Credit Monitoring Service. I like Equifax Credit Monitoring Service because you get access to your Credit Report and Credit Score monthly. The information is easy to read and understand.
As long as you're a member, you will also get any updates to your Credit Reports and Credit Scores monthly without having to pay each time. This is very valuable because as you change things on your Credit Report you will be updated.
I really believe that this is the most important tool you need to have to understand your Credit Score. Remember checking your own Credit Report has no effect on either your Credit Report or Credit Scores.

Equifax
Credit Monitoring Service
Our services are completely confidential and your information will not be distributed or given to any affiliates or other companies.
Credit Repair Express is a dream come true. I had very good credit for years until I was divorced in 2000. The costs and strain of the divorce caused me to fall behind on some of my financial obligations and even though I had excellent credit before hand, my credit report and score became a disaster. I tried for years to clean up my credit report and improve my score. I found dealing with the credit reporting agencies a complete nightmare. I looked high and low for someone to help me but there was no one. I was at a total loss until a friend referred me to Credit Repair Express. In 30 days I saw a dramatic improvement in both my credit report and score. I now have my credit fully restored, a very good credit report and wonderful credit score. Thank you, Credit Repair Express. I could not have done this without your help. - Henry R In Miami, Florida
Like many others I came to this country few years ago from Venezuela. Among all the cultural changes, the hardest one was try to make sense of the Credit System of this Country. Without much knowledge about it we were getting into the System, finding difficulty in finding information to understand it. The debts were accumulating until the failure was inevitable. The regret sensation of not being approved due to my poor credit score was painful and of course to talk about it is shameful it’s awful to say “I have a bad credit”. A good friend referred me to Credit Repair Express and it was the light at the end of the tunnel. They gave me faith and the education necessary to learn from our mistakes and how to avoid them in the future with the right tools to establish good credit, which is the principal key to the well being in this Country. Thanks to the team at Credit Repair Express I am now proud to say, I have great credit. I can now enjoy the American dream, providing my Family with a more secure upbringing! - Lorena In Miami, Florida
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