I applaud you on your taking responsibility for your financial affairs, especially your credit. To accomplish your goal will take time, patience and persistence, but I promise you, with the correct guidance you can accomplish your goal.
For your current accounts with good payment histories, or even some previous late-payment-blemishes, make sure you continue to pay those accounts on time.
I have found that CONSUMER ACTION is an excellent resource for objective advice on all things credit related. You'll find free and sincere advice on everything from settling collection accounts to rebuilding credit to building credit from scratch on their website. http://www.consumer-action.org/
Beware of anyone offering to "repair" your credit! The Federal Trade Commission issued a stern warning last year that such offers are scams. Find more from the FTC HERE. http://www.consumer.ftc.gov/articles/0058-credit-repair-how-
The best way to have a decent credit history is to settle negative outstanding obligations and pay all your bills on time for at least two years.
PowerHouse Solutions, Inc.
185 Great Neck Rd, Suite 240
Great Neck NY 11021
Licensed Mortgage Banker â€“ NYS Dept. of Financial Services
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Look at Randy Roberts profile he has 100s of spam comments left on blogs. This company uses companies overseas to create fake profiles to leave comments all over the internet to promote their company. They are a mortgage lead company that wants to sale your information to mortgage lenders and brokers.
Best of Luck!