I was reading an article on Credit Repair Software - Know How to Use It and one of the things that stood out to me and I concur with the author vehemently in that:

"2.) Refer your problem to a credit repair agency - if you have decided against the investment in time it takes to do it yourself, you can get help from a credit repair agency. These, for a fee that's affordable, will take on the task of improving your credit. These businesses make use of credit repair software for the purpose of improving their effectiveness and accuracy while reducing the redundancy of the process."
Read more: http://www.articlesbase.com/finance-articles/credit-repair-software-know-how-to-use-it-1594079.html#ixzz0nNN8NxuD Under Creative Commons License: Attribution
However, using reputable agencies will be necessary in order to make the process work for the individual. At United Credit Education Services, Inc; a Federal Credit Union, all of the services and products purchased by a consumer are performed by employees of UCES. Our professionals bring comfort to the consumer in that United Credit is exempt under the Credit Repair Organization Act (15 U.S.C.§§, ET. Seq.), and is not a Credit Repair Organization.

SeaySon Enterprise also is not a Credit Repair Organization. Our association with an industry leader in Credit Education Services, (UCES), who offer a money back guarantee, give our clients the security in knowing they are in capable hands going forward through the restoration process. We are educating our clients on the pitfalls that less than "perfect" credit cause and the remedies that are made available through our organizations, SeaySon Enterprise, Financial Education Services and United Credit (UCES). Through us, the consumer is afforded options they themselves never dreamt possible.


Below are is a list of additional steps we advise our clients to take to improve their credit score quickly.

Pay Off Credit Cards and Lines of Credit

Stop spending on anything but the absolute essentials and use the cash to pay down debt. Credit cards with at least 90% of credit card debt paid may show an increase of 70 points (providing there are no additional negative items).

Make Sure Positive Accounts Are Reporting On All Three Credit Bureaus

Review your credit report and make sure that all positive revolving and installment loans are reporting on your credit file. Additionally, make sure that paid off accounts are showing no balance, and large payments are reflected in the amount owed.

Watch For Big Mistakes on Your Credit File That Are Easy To Correct

Mistakes like another family member's collection or late payment showing up on a credit file are easy to identify and for United Credit to remove.

Make Sure Your Credit Limits Are Reporting Correctly

Understated credit limits on revolving accounts may incorrectly show a lower debt to available credit ratio, thereby lowering the credit score. Watch for this and correct if needed.

Apply For a Secured Credit Card

You must have open credit on your file to maintain a credit score. If all of your previous credit accounts are closed, apply for a secured credit card. After six months, ask for an increase in the credit limit.

Use Credit Sparingly

Don't use your credit cards unless it's an emergency. As your debt to available credit ratio improves, so will your credit core.

Don't Apply For New Credit

Each time you apply for a new loan, your credit score can go down 10-20 points depending on how many outstanding credit cards or loans you have. Don't apply for new cards while you are paying down your debt.

Do Not Close an Account You Are Paying Off

Closed accounts with balances will throw off the debt to available credit ratio. Never willingly close an account until the balance is paid off. Additionally, make sure you still have enough available lines of credit before you close an account.
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