OK, so you have a bit of (or maybe not so little) problem with the credit report of yours. All will not be lost, although you will have to dedicate some time and effort to "fix or repair" your credit score. Keep in mind that it took more than thirty days to screw your credit score set up, as make sure you stick to the standard tips of restoring it.
There's a good deal of information and jargon you need to know before you begin the repair project of yours. Repairing the credit score of yours is not brain surgery though you do have to comply with a few basics in order to accomplish your goal of a higher credit score. There's a lot of misinformation out there about what a credit score is and also precisely how you improve it.

Don't Get Ripped Off

Don't Get Ripped Off
Another problem with credit repair is there can be 100's if not 1000's of scoundrels available that prey on the unsuspecting person with only stellar credit. They will make unrealistic claims that promise to fix anything for a price. And also the worst part would be that not merely will they take the money of yours, they can actually cause damage to the credit score of yours.
Our under perfect credit rating system is regulated by the federal government. Which can be both a great idea and a bad thing. But you should know a number of facts and don't get fooled.
You can furthermore get a totally free credit repair service, visit website, credit report from all three major credit bureaus. Don't cover something which you can obtain- Positive Many Meanings - for FREE. Go o the Federal Trade Commission's site here to get the complete details:
[http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm]
The sole catch twenty two is you don't get a credit score with your credit reports. But if you've been turned down by a creditor (or offered what you believe is an unfair speed) you can ask for the info through them and are going to provide the score they utilized to determine the rate of yours.
But it is really clear on the credit reports what could be running a destructive impact on your credit score. So these reports would be the first step in focusing on raising your credit score.
What is A Credit Score?

Basic Repair/Fixing Methods