There are lots of ways you can improve your credit score right now.
For additional reading:
My Credit Is Terrible. Now What? – http://blog.creditkarma.com/credit-scores/my-credit-is-terrible-now-what/
DIY Credit Repair: How to Spot a Credit Repair Scam – http://blog.creditkarma.com/credit-scores/diy-credit-repair-how-to-spot-a-credit-repair-scam/
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