Credit Score Management

I am currently overseas and want to fix my credit as soon as possible, but certainly do not have the time or the resources to contact my creditors. The internet is the only means possible right now and I want to know if there is any services out that that stand out above the rest.

I’ve been building my credit for a year, after my Bankruptcy and have gone from a 500 to a 561 so far. What score would I need to get approved for a deparment store card, like Target, IKEA, Best Buy, etc.?

I heard that you credit score would go up anywhere for 30-40 point if you pay a credit card off that is maxed out (if the balance is over a 1,000.00) Is this ture?? And if not does anyone know about what it would go up?

I don’t want to be one of those companies that take the money and disappear. I truly want to help people learn the things it took me a long time to learn and then give them the choice of whether they want to do it themselves or hire me to write all the letters and make all the phone calls.
DON’T BELIEVE ANYONE WHO TELLS YOU THEY CAN GET ALL NEGATIVE ENTRIES REMOVED IMMEDIATELY, WITH NO MONEY FROM YOUR POCKETS!!! It’s just impossible! It took you years to get your credit in the state it’s in so it will take some time and money to get the items deleted.
I’ve got the qualifications – A Masters Degree in Economics and Finance, A Bachelor’s Degree in Economics, a Certificate in Credit Reporting, and a license from the State of Maine for Credit Repair. Please help me learn how to use these tools.
I work from home because I broke my neck in a car accident and can’t handle a 9-5 job. My brain still in excellent works so help me get started. If you have questions just e-mail me. Thanks

I have checked my credit score in the past, but, it required me to sign up for some service, check my score, then call and cancel afterward. Is there a way to avoid this process and just check it for free without the hassle of having to cancel a service?
Of course I never had to pay money to do it, but it is still a pain to have to call and cancel.