1. Get current on any past due account
2. Pay down balance on any revolving account which is over the limit
3. Pay down revolving balances below 50% of the limit
4. Pay down revolving balances below 30% of the limit
5. Pay down revolving balances to zero
6. Use (reactivate) any revolving accounts that haven't been used in last 6 months
7. Get added to someone's revolving account as an authorized user and inherit their credit
8. Don't have a credit card? Get one. VISA Secured Credit Card - Reports to All 3 Major Bureaus 
9. Don't have an installment account? Get one.
10. Bad Credit? Fight it over and over again until it's gone.
11. Pull your credit report and review for inaccuracies. Get one here: TrueCredit 3-Bureau Credit Report & Credit Score
12. Have a credit expert review your credit report for expert advice. Call me (877) 254-6900
