Credit Score Management

Hi, I went from Europe to the US 2 years ago. Just tried to buy a house. Unfortunately i had no credit history in the US. Therefore i did my best to get a credit card to get a credit score (which i did 4 months ago). I now have a credit score of 653. Look quite terrible no? Is it a terrible score because my credit card is too recent?

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Does any one tell me the best way to start a credit repair business?

My credit score is still in the 400’s. I paid off all of my collections and my credit cards. I recently bought a new car with a co-signer and i pay more than my monthly payment. But my credit score is still in the 400’s and it’s been more than a year since i paid everything off. Is there any other way to improve my credit score?

Is there any way to start a credit repair business?

I really need a company that will tell me how to improve my credit score on MY specific credit report, not general tips.