There are simple steps you can take to improve your credit in months, not years. The are easy, and generally free! Unfortunately there is so many things that effect scores, I.e. balance vs. credit lines, late pays, slow pays, collections, judgements, amount of accounts, etc. You may or may not know what is effecting your score, but I don't. If you would like to call me, I can tell you not only how to find out what's effecting you, but hopefully teach you the steps to fix it, cheaply and easily. All it takes is a phone call to pick my brain! No strings, just knowledge!
Please, without proper guidance it could cost you thousands, and still not help your situation, when you could have done it for free!