Thanks for your write-up. I would like to remark that the very first thing you will need to accomplish is check if you really need credit improvement. To do that you need to get your hands on a copy of your credit history. That should really not be difficult, because government mandates that you are allowed to receive one cost-free copy of the credit report each year. You just have to request the right individuals. You can either look into the website with the Federal Trade Commission or even contact one of the main credit agencies directly.