Credit Score Management

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’m looking for testimonials and experiences with credit repair services. I’ve been looking into Fowler & Fowler CRS which has been associated with the BBB for 10 yrs. I know that they cant do anything i cant do myself but i dont mind paying a 3rd party if they can get the job done well. I know they dispute everything negative on your report. Again im looking for real experiences not cookie cutter advertisements for a CRS. I can tell so dont try it. Thx

I heard having too many credit cards can lower your FICO score even if you pay them full each month. How many can you get before they drop your score?
I had problem getting a credit card when I had no credit history and then after I finally got one, I had hard time getting another one, because banks said I had “too few” revolving accounts. Now I have 5 credit cards and only 1 of them carry balance. My balance to credit ratio is 6% and my FICO score is 740.

Ive looked through all these forums, but i have not found a complete answer. I HAVE given paypal my social sec.# before, unlike many of the cases i’ve read about. Even though paypal is not a real threat with their fake collection agencies, would they be able to hurt my credit score? If you are not absolutely positive please dont answer this. Thanks

What does my credit score have to be to buy a house in Texas? I am trying to buy a house that cost 97,000 and I make 5,000 a month. Does a credit score even matter?