Thanks for your posting. I would also like to comment that the very first thing you will need to complete is find out if you really need credit improvement. To do that you have got to get your hands on a duplicate of your credit history. That should really not be difficult, because the government necessitates that you are allowed to have one totally free copy of your actual credit report yearly. You just have to consult the right persons. You can either browse the website for the Federal Trade Commission or maybe contact one of the major credit agencies right away.