I have been reading alot on this site all of you have so much helpful information. I just wanted to see if someone could help me out. I'm looking for ways to improve my score. I am currently working with careone to take of my payments with my current accounts. I've been with them since december and all my payments have gone out to the creditors on time. I also have a macy's store card that I have been making all my payments on time with. My question is what else can I do to raise my score? Will my score still go up by continuing to making payments through careone? Thank you for your help.

Care One is a debt management program and as a general rule these types of programs will cause your scores to tank.

But I thought someone had said that eventually the scores would go up, Would i be better off canceling my program with them and going with making payments to the creditors myself.

Eventually your scores will go up...after you complete the program. With debt management programs you are not generally paying the full payment but a reduced amount, thus another reason for the score tanking.

So if i stick with the program in the meantime, what else can i do to increase my score or do i need to just wait for the program to finish.

That is a decision only you can made by you. Can you afford to go back to the regular payment? Will the creditors let you?

yeah I'm thinking remaining on the program is best bet to paying these off. Would a secured card or something like that be a good idea to help? What can i do as far as my report goes as far as finding information on it that I would need to dispute is there anything like i can do?