Improving your credit reports and credit scores can be very challenging. To make matters worse, there are all sorts of illegal services, con artists and misinformed businesses out there that offer "credit repair" services. Many of these services are ineffective, damaging to your credit and illegal. Avoid these traps and instead work on improving your credit on your own. All three credit reporting agencies (Equifax, Experian and TransUnion) have detailed learning centers full of information and advice for consumers. Search online for free, unbiased information about improving your credit. By doing your research and using credit responsibly, you can take care of your credit problems.

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