Where can I get help improving my FICO? Is it expensive?
I can't really afford to pay a monthly fee. Is there anyway I can do it myself?
Answers | 2
If all the derogatory items are accurate, then there won't be too much you can do other than maintaining good payment history and keeping your balances low as compared to the limits.
What are your scores now?
fyi - there are some credit repair type entities that claim they can repair items that are accurate (but not sure how accurate / reputable ) these claims are. Plus, these always ask for fees to do this.