There are legitimate credit repair services available who can help.

Send me a private e-mail and I will provide you a resource.

Hi Gilma,

You might need credit repair if you had late payments, debt settlements, medical collections, etc. If you were always current then you might just need a credit score boost. Once you pay off all your credit card debt then your score should recover naturally it might take 4 months or so. Do not open new cards this will not help your credit rating. I hope this helps. If you do need credit repair i can assist you with that. Good luck!

http://ww.hammeredcredit.com

Hi Gilma: You are to be congratulated on your effort to improve your credit ... Just to let you know your credit score is a result of several factors. The ratio of low balances to limit (less than 30%); the type of accounts (revolving vs. installment); the age of the account (the older the better 3+ years); the number of accounts; the number of credit inquiries in the last 12 months; your payment history (especially in the LAST 12 MONTHS) .

Without knowing your particular situation ... I would NOT ADVISE you open another account.

Just a little history re: Judgments, tax leins, collection accounts ... they all are handled differentely when it comes to getting your credit ready to get a mortgage loan.

Regarding (life happens type of bad credit) ... the further you get away (time wise) from any late payments or charged off collection accounts the less of an impact they have ... but say you have a collection account that was charged off 12 months ago, then you pay it off and that brings the last activity as to very recent. ... you did good by paying off your account but you actually lowered your score.

You need to pay off your accounts but there is a way to do it and not have it hurt your score. There are many legitimate credit repair companies that can guide you but BE CAREFUL ... many only offer you temporary help and do not do anything to really cure the problem.

If you want more information or a referral to a company that I trust, visit my website and contact me directly ... I would be happy to give you any help and info you may need. The soorner you start getting your ducks in a row then the sooner you can position yourself to buy a home. Good Luck!