“ Thanks for your submission. I would like to remark that the first thing you will need to perform is to see if you really need credit improvement. To do that you will have to get your hands on a duplicate of your credit rating. That should really not be difficult, considering that the government mandates that you are allowed to acquire one no cost copy of the credit report on a yearly basis. You just have to inquire the right individuals. You can either look at website with the Federal Trade Commission as well as contact one of the leading credit agencies right away. ”