Need info to help improve credit rating.

net302001, your credit file will give the best view to your future lenders after all the accounts are paid off and you owe nothing to anyone. On this basis, you will earn maximum scores because the payment history is a crucial factor in analyzing the credit scores.

Have you reviewed your credit report recently? In most cases, the file also has a large number of data errors done by the bureaus. Incorrect entries reduce the scores largely. Run a credit check and locate the visible mistakes for correction. This will improve your credit scores.

Once your scores have improved fairly, any lender will be willing to extend the best credit packages to you. They will realize that you have been responsible enough in paying your past accounts and will take the same responsibility towards this account also.
If you need some professional help, you can opt for a consolidation program. This program will ensure regular payments to your creditors. You will be offered low monthly payments at lower rate of interest. After all the accounts are paid in full, the creditors will update your accounts with the bureaus marking them as paid.

Thanks John. I have ran a copy of my credit report yesterday and I need to take a day off and sit down and see what needs to be done. I appreciate your help with this.

Do let me know how many errors you found in your credit report. An incorrect account in collections can sometimes reduce the credit scores by 30 points. Check your file thoroughly and figure out the areas of correction. I will tell you further on how to dispute with the credit bureaus.