Hello, Most importantly, you should examine your report for accuracy. Examine all OPEN ACCOUNTS to make sure they are being reported correctly. Also, make sure that all the accounts showing on your report are in fact yours. There is also a section for DEROGATORY credit, in the event you have any. This section will give you details about collection accounts, charge offs, liens, etc. Check this for accuracy as well. Collection items can be removed after 7 years, BK after 10, as well as tax liens. Check prior addresses and names you are associated with. If there are items being reported incorrectly, you can file a dispute with the credit agency (ies) reporting it that way. Just take the report section by section, item by item.
I will be happy to assist you with any credit challenges that you face and provide some guidance as to what needs to be done to improve your score, if necessary. I'm assuming that you are interested in purchasing a home, or renting a home, and you are on the right track running your credit first! As a mortgage consultant I do not charge for this service, and if you would like to discuss, please contact me at Harkegroup@gmail.com