How to Fix Your Own Credit. Never sign up with a "credit repair" service. They rip you off and don't do anything you can't do yourself. I've written a book (http://amzn.com/1600477712) about this, but some people prefer the picture to the (18) thousand words. This is for all the visualizers!
It was never a goal of mine to get into the 800 Credit Score Club. I had credit card debt all throughout college and student loans after grad school. Let me show you how I managed a near-perfect credit score!