Hi Rbeth,

The previous question to your question is correct, how bad? If the score is low due to you carrying too much debt on your credit cards, this is easily corrected by reducing your 'balances' to 30% of your credit limit. However, if your score is low due to late payments, judgements, medical collections then this is most appropriately corrected with credit repair services. For more information on credit repair services, please see my website or look for me in the June issue of Inc Magazine. Good luck!
http://www.hammeredcredit.com
415-999-9348 Hannah Fliegel

Define bad.
We are approving people with collections and charge off accounts and they can remain unpaid. Judgments and tax liens have to be paid.
You need a 620 credit score.