When we start talking about credit repair you need to take a look at the whole picture. People think that they can remove all of the derogatory items off their credit and the score will shoot up. This is not necessarily so, let's stop and ask our self this.. if I have 6 pieces of credit and 4 or them are negative and we get them removed depending on what it is, its only going to move you a few points.

    Credit has to have a History its like a plant, you need to water it and fertilize it and it grow. Credit is the same, you pay your  bills on time and it grows.   While items are being removed we start adding  credit to help it grow, there are ways to do that.  You can  apply for a credit card and might need to get a secured card, or you can ask a family member to add you to their card to get you going.

    There are on line places where you can purchase credit which they call a trade Line. What is a Trade line you ask?  well its credit your purchasing that belongs to someone else that is willing to sell to you for a certain amount of time  to get you where you need to be to purchase what ever item you need to acquire.   So you do have choices, you can build you credit your self depending on what is going on in your like or try the short cut. Most people who take the short cut may not learn their lesson and want to just move fast through life never learning how to use credit, which one are you?