Sign up at Lexington Law , and provide them with your user name and password to the site listed in step 1. Lexington Law is the key to clearing up you credit reports! They take care of nearly everything, and provide you will detailed progress reports.

Lexington Law will send letters to the 3 credit reporting agencies asking them to verify each account that is negative; anything that is not verified will be removed. They will then work with you to dispute any, or all negative items on your credit. Lexington Law is a law firm and will fight for your credit; negotiate, and dispute bad credit.

Lexington Law will also provide you with resources, and forms to settle with creditors for a portion of your original dept. If you have the money this is the best way to clear your credit, and prevent items that have been removed from showing back up later. Remember that you should never settle your dept without a written statement by creditors stating that they will completely remove the dept from your credit report!

If you don't have the money to settle with the creditors Lexington Law can often get the items removed anyway; but there is always a chance that some items will show up later as your dept is passed to another collection agency.

Monthly Fee: $39.95, $59.95, or $79.95(recommended) Click Here to learn more about Lexington Law

Start establishing new credit.

If you do not have a checking and savings account then start one. It is best to build credit with one bank ; a local hometown bank is great if you live in a small town. Joining the local Chamber of Commerce as a business or individual can be tremendously helpful. They will provide luncheons and other meet-and-greets were you can socialize with your local bank reps (great help when applying for a loan).

To establish minor credit with your local bank you should save about $1,200 in your savings account, then convert $1,000 to a 6 month CD. Use the CD as collateral for a $1,000 secure loan (6 month loan). Never miss a payment, never pay it off early, and never make a late payment! Put the borrowed money into your savings account and use it to pay off the loan. With the interest earned in savings and on the CD this credit should cost you less than $70 in interest on your loan.

To establish major credit with a bank you should up it to $5,000.
Once you finish you will established credit with your local bank, and credit in general.

Get a credit card. You can get a secured credit card from Vision Premier Prepaid Visa; use the $200 from your savings account to set up the card. Make sure you have an aditional $200 to cover all fees charged the first month.

Use the card every month, and pay it off completely and on time monthly.
Add a second secured card as soon as you can by setting it up at Vision Premier.

Never be late on any credit card payment, and treat the cards as a service to help re-establish your credit, and not as an alternative form of money!